At a Glance
- Tasks: Manage credit assessments and analyse financial data for SME lending applications.
- Company: Fast-growing fintech company with a focus on innovation and risk management.
- Benefits: Competitive salary, flexible working options, and opportunities for professional growth.
- Other info: Join a dynamic team and contribute to impactful financial solutions.
- Why this job: Take ownership of credit decisions and shape the future of lending processes.
- Qualifications: 3-5 years in credit analysis or lending risk with strong analytical skills.
The predicted salary is between 50000 - 60000 £ per year.
We are working with an innovative and fast-growing lending business that is looking for a driven Senior Credit Analyst to join its Risk team. This is an exciting opportunity for someone who enjoys having real ownership over credit decisions and wants to play a key role in shaping the systems, processes, and frameworks behind them.
Responsibilities:
- Independently manage end-to-end underwriting assessments for SME lending applications.
- Analyse financial information, business performance, and credit risk factors to make informed lending decisions.
- Apply strong commercial judgement when assessing borrower risk.
- Support the development and optimisation of underwriting processes, credit policies, and risk assessment framework.
- Help transform manual processes into scalable and efficient solutions.
- Monitor existing lending portfolios and identify early warning indicators of increased risk.
- Work closely with Data, Product, Operations, and Commercial teams to improve lending decisions and customer outcomes.
- Provide insight and feedback to support the development of credit models and automated decision-making tools.
- Contribute to portfolio reporting and ongoing risk management.
About You:
- You will have 3–5 years’ experience in credit analysis, underwriting, or lending risk.
- Experience assessing SME lending applications or commercial credit risk.
- Strong understanding of financial statements, credit risk metrics, and lending methodology.
- The ability to make independent decisions and manage complex assessments with minimal supervision.
- A proactive mindset with strong attention to detail and a desire to improve processes.
- Experience with credit scorecards or risk models.
- Proficiency in data analysis tools such as SQL or advanced Excel modelling.
- Experience working within a fintech, banking, or fast-growth lending environment.
We think you need these skills to ace Senior Credit Analyst
Credit Analysis
Underwriting
Lending Risk Assessment
Financial Statement Analysis
Credit Risk Metrics
Commercial Judgement
Process Optimisation
