At a Glance
- Tasks: Shape credit strategies and optimise customer acquisition using data-driven insights.
- Company: Established financial services organisation with a focus on innovation.
- Benefits: Hybrid working, competitive salary, and clear career progression opportunities.
- Other info: Collaborative environment with opportunities to lead analytical projects.
- Why this job: Make a real impact in a growing team while developing your credit risk expertise.
- Qualifications: Strong experience in Credit Risk Analytics and proficiency in SQL.
The predicted salary is between 63000 - 77000 £ per year.
This is an excellent opportunity for a Senior Credit Risk Analyst to join a growing credit risk function where you can make a genuine impact across customer acquisition, credit strategy, portfolio performance, and risk optimisation. The role offers broad exposure, significant ownership, and the chance to help shape the future direction of a developing team.
They are a well-established financial services organisation operating within a regulated lending environment. Following recent growth within their Credit Risk function, they are continuing to invest in data-driven decision making and risk strategy. This role offers the opportunity to contribute to key business decisions while developing your expertise across multiple areas of credit risk.
- Optimise customer acquisition and onboarding strategies using bureau data and credit risk insights
- Enhance and refine credit decisioning and affordability assessments
- Implement and improve scorecard-driven credit strategies
- Monitor portfolio performance and identify opportunities to improve risk outcomes
- Support IFRS9 and broader credit risk activities
- Collaborate with teams across credit, operations, compliance, and risk
- Lead analytical projects designed to improve customer outcomes and portfolio performance
Requirements:
- Strong commercial experience within Credit Risk Analytics or Credit Strategy
- Experience working on acquisition, onboarding, or customer decisioning strategies
- Hands-on experience using credit bureau data to support lending decisions
- Exposure to credit scorecards and strategy implementation
- Strong SQL skills
- Experience analysing large datasets and translating findings into business recommendations
- SAS, Python, or Power BI experience
- Hybrid working with 2 days per week in the office
- Broad exposure across multiple areas of credit risk
- Clear career progression within a growing credit risk function
Senior Credit Risk Analyst - Mortgages employer: Harnham
As a leading specialist data consultancy, we pride ourselves on fostering a collaborative and innovative work culture that empowers our Analytics Engineering Consultants to thrive. With a focus on professional development, we offer extensive growth opportunities and the chance to work on high-impact projects across diverse industries, all while enjoying the flexibility of remote work in the UK. Join us to be part of a team that values your expertise and encourages you to influence strategy and drive meaningful change for our clients.
