Senior Credit Analyst in London

Juice is a leading UK SME fintech lender, providing flexible, uncommitted revolving credit facilities of up to £1M to growing British businesses. We pair rigorous credit judgement with modern underwriting infrastructure, making fast, data-driven decisions that back ambitious companies when they need it most. We stand for lending intelligently and responsibly, and our vision is to become the go-to funding partner for British SMEs. This is a fast-paced, high-ownership environment where we're investing heavily in the systems, data, and people that let us scale. If you thrive on independence, love to roll your sleeves up, take genuine ownership of both decisions and the tools behind them, and want to build alongside a highly driven, ambitious team, this role is for you.

The Role

We're looking for a highly driven, technical Senior Credit Analyst / Credit Analyst to join our Risk team. This role is built for a self-starter who thrives on independence, has a sharp eye for detail, and brings a proven "get things done" attitude. You won't just work cases. Alongside managing independent underwriting assessments, you'll play a pivotal part in building out the underwriting and credit risk assessment systems that power our decisions. If you want ownership over both the decisions and the machinery behind them, this is the seat.

What You'll Do

• Underwrite independently.
• Manage and execute complex underwriting assessments end to end, with minimal guidance, drawing on strong technical expertise and sound commercial judgement.
• Build the systems.
• Proactively drive the design, development, and optimisation of our internal underwriting and credit risk assessment tools, models, and processes — turning manual work into scalable infrastructure.
• Collaborate across the business.
• Work closely with cross-functional teams (data, product, commercial, operations) to streamline processes, keep communication clear and transparent, and foster collaborative growth.
• Monitor the portfolio.
• Actively monitor the health of our existing SME exposures, identifying early warning signs and contributing to portfolio reporting.
• Close the loop with data.
• Provide feedback to our data and engineering teams to help automate manual checks and enhance our proprietary risk models.
• Set the standard.
• Maintain a high bar for accuracy and accountability while staying resilient and adaptable in a fast-paced lending environment.

What You'll Bring

• Experience: 3–5 years of professional underwriting experience, ideally in banking, FinTech, or SME lending (or equivalent).
• Technical mastery: Deep understanding of credit risk metrics, financial statements, and risk assessment methodologies.
• Mindset: A self-starting, autonomous professional with a keen eye for detail and a genuine passion for excellence.
• Eligibility: Must be fully eligible to work in the UK without sponsorship.

Nice to Have

• Comfort working with data and analytical tools (e.g. SQL, Excel modelling) to interrogate borrower performance.
• Experience contributing to the design of credit policy, scorecards, or risk monitoring frameworks.

Why Juice

• Real ownership: your decisions and the systems behind them are yours to shape.
• A lean, high-trust team where your work is visible and your impact is direct.
• The chance to help build a modern lending business from the inside out.
• Great financial benefits: 5% pension, fully company-paid private medical insurance, and optional life & critical illness cover.
• Perks that support your life: £500 yearly learning budget, 3 paid wellbeing days, plus salary-sacrifice Cycle to Work, EV leasing and holiday buy/sell.