At a Glance
- Tasks: Lead credit risk strategies and analyse performance in the German lending market.
- Company: Join a dynamic FinTech that's revolutionising lending through data-driven decisions.
- Benefits: Enjoy a competitive salary, bonus, pension scheme, equity, and 25 days holiday.
- Other info: Work in London three days a week with a focus on innovation and collaboration.
- Why this job: Be part of a growing company with a strong culture and impactful work in finance.
- Qualifications: Must have SQL experience and knowledge of credit risk strategies in the German market.
The predicted salary is between 48000 - 64000 £ per year.
Credit Risk Strategy Analyst
Sponsorship Available
Salary: £60,000-£75,000 plus bonus
Location + work pattern: London (hybrid working, 2‑3 days per week in the office)
THE COMPANY
- A well‑established UK consumer finance business operating across multiple lending and savings products.
- Known for strong technical infrastructure, advanced analytics and a transparent, customer‑focused approach.
- Long track record of developing high‑performing credit risk professionals within the UK market.
THE ROLE
This is a core credit risk and commercial strategy role, taking ownership of a specific product area within a wider credit risk function. You will work closely with senior stakeholders to drive data‑led decisions across the customer lifecycle.
Specifically, you can expect to be involved in:
- Owning and developing credit risk strategy for a defined lending product.
- Using SQL and Python to analyse performance, identify trends and recommend actions.
- Supporting commercial decision‑making through robust, insight‑driven analysis.
- Communicating findings clearly to both technical and non‑technical stakeholders.
YOUR SKILLS AND EXPERIENCE
- Proven experience within credit risk strategy in a consumer lending environment.
- STEM degree from a Russel Group University is important.
- Strong capability in SQL for data extraction and analysis.
- Working knowledge of Python for analytical and modelling tasks.
- Ability to structure problems clearly and communicate your approach and conclusions effectively.
THE BENEFITS
- Competitive base salary with performance‑related bonus.
- Hybrid working model with flexibility across the week.
- Opportunity to work alongside experienced credit risk leaders and analysts.
- Strong platform for long‑term career development within UK lending and risk.
THE PROCESS
- Initial case‑study interview assessing quantitative, conceptual and communication skills.
- Technical assessment focused on SQL or Python, completed remotely.
- Final in‑person stage including a credit case study, values discussion and Q&A.
HOW TO APPLY
Please register your interest via the apply link on this page.
Senior Credit Risk Analyst employer: Harnham
Join a dynamic FinTech company that prioritises innovation and data-driven decision-making in the lending sector. With a strong focus on employee development, you will benefit from a collaborative work culture, competitive salary, and generous holiday allowance, all while working in a vibrant city like London. This role offers unique opportunities to shape credit risk strategies specifically for the German market, ensuring your contributions are both impactful and rewarding.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Risk Analyst
✨Tip Number 1
Familiarise yourself with the German lending market. Understanding local regulations, trends, and customer behaviours will give you an edge in discussions during interviews.
✨Tip Number 2
Brush up on your SQL skills. Since it's essential for the role, being able to demonstrate your proficiency in SQL during technical discussions can significantly boost your chances.
✨Tip Number 3
Prepare examples of previous credit risk strategies you've developed. Be ready to discuss how these strategies impacted business outcomes, especially in relation to SME or business lending.
✨Tip Number 4
Network with professionals in the FinTech space, particularly those focused on credit risk. Engaging with industry peers can provide insights and potentially lead to referrals for the position.
We think you need these skills to ace Senior Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV:Make sure your CV highlights your experience with SQL and credit risk strategies. Emphasise any previous work in the German lending market, as this is essential for the role.
Craft a Compelling Cover Letter:Write a cover letter that showcases your understanding of the FinTech industry and how your skills align with the company's goals. Mention specific examples of your work with credit risk and customer analytics.
Highlight Relevant Skills:In your application, clearly outline your analytical skills and experience with statistical models. This will demonstrate your capability to drive insights into book performance and customer behaviour.
Follow Application Instructions:Ensure you send your application through the specified 'Apply' link and address it to Rosie Walsh. Double-check that all documents are attached and formatted correctly before submission.
How to prepare for a job interview at Harnham
✨Showcase Your SQL Skills
Since previous experience in SQL is essential for this role, be prepared to discuss your proficiency. Bring examples of how you've used SQL in past projects, particularly in relation to credit risk analysis.
✨Demonstrate Knowledge of the German Market
Highlight your understanding of the German lending market during the interview. Discuss any relevant experiences or insights you have that could benefit the company's strategies in this area.
✨Prepare for Technical Questions
Expect technical questions related to credit risk strategies and statistical models. Brush up on key concepts and be ready to explain how you've applied them in your previous roles.
✨Engage with Stakeholders
Since the role involves close interaction with stakeholders, prepare to discuss your experience in collaborating with internal teams. Share examples of how you've successfully communicated complex data insights to non-technical audiences.
