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For Companies At a Glance
- Tasks: Lead credit risk analysis and drive improvements in product performance using data-driven insights.
- Company: Join a dynamic fintech company focused on innovation and growth.
- Benefits: Competitive salary, flexible working options, and opportunities for professional development.
- Why this job: Make a real impact by optimising credit strategies and influencing business decisions.
- Qualifications: Experience in credit risk analytics and strong analytical skills required.
- Other info: Fast-paced environment with opportunities to collaborate and grow your career.
The predicted salary is between 36000 - 60000 £ per year.
As a Senior Credit Risk Analyst you will lead on decision science, credit models, portfolio performance and pricing, and play a key role in driving fundamental improvements in our credit and product performance, policy and strategy. You will be a senior member of the team responsible for producing tangible insights to the business which will not only monitor and control risk, but also help scale and grow our products through data driven decisions. This makes you the go-to person when the business requires insights on customer behaviour and any key performance metrics which include profitability, credit risk performance and operational performance metrics. This role also has responsibility for setting and optimising product pricing, that is market competitive while providing the coverage and margins required to deliver value to Kriya.
What You’ll Do
- Work closely with our risk leadership team to provide insights to optimise our underwriting and credit decisioning processes.
- Leverage latest data science, machine learning and artificial intelligence to build systematic risk models for our credit products.
- Produce portfolio monitoring and investigative analysis to explain trends and answer questions from key stakeholders; making recommendations on how to enhance our products and processes.
- Develop and optimise our pricing models using financial modelling techniques.
- Produce portfolio management information for both internal and external stakeholders and present insight and findings in a clear non-technical way that is easy for stakeholders to digest and understand.
- Conduct rigorous impact analysis on credit strategies, reassessing and optimising how we make credit decisions.
- Support the collections and recovery team with data driven insight and collections strategies.
- Collaborate with other teams in developing our predictive models, product features and processes.
Qualifications
- Proven experience in decision science, credit risk analytics, data modelling and AI, ideally within financial services or fintech.
- Strong understanding of risk disciplines including unit profitability evaluation, pricing, risk appetite setting, and credit policy design.
- Experience with B2B/SME lending is highly desirable, though not essential.
- Demonstrated ability to influence and collaborate with cross-functional teams and senior stakeholders.
- Strong leadership and people management skills with a track record of building high-performing teams.
- Exceptional analytical and problem-solving abilities with a hands-on approach.
- Excellent communication skills, particularly in translating complex findings into accessible, actionable insights.
- Organised, proactive, and able to manage multiple priorities across different products and development stages.
- Comfortable working in a fast-paced, evolving environment with a start-up / build-it-yourself mindset.
Senior Credit Risk Analyst employer: Kriya Finance Limited
Contact Detail:
Kriya Finance Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, attend meetups, and connect with people on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for those interviews by practising common questions and scenarios related to credit risk analysis. We recommend doing mock interviews with friends or using online platforms to get comfortable with articulating your insights and experiences.
✨Tip Number 3
Showcase your analytical skills! Bring along examples of your past work, like reports or presentations that highlight your decision science prowess. This will help you demonstrate your ability to translate complex data into actionable insights.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in being part of our team at Kriya.
We think you need these skills to ace Senior Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Senior Credit Risk Analyst. Highlight your experience in decision science and credit risk analytics, and don’t forget to mention any relevant projects that showcase your skills in data modelling and AI.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re the perfect fit for our team. Share specific examples of how you've driven improvements in credit performance or pricing strategies in your previous roles.
Showcase Your Analytical Skills: We love numbers! In your application, include examples of how you've used data to influence decisions or improve processes. This could be anything from portfolio monitoring to impact analysis on credit strategies.
Apply Through Our Website: Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team at StudySmarter!
How to prepare for a job interview at Kriya Finance Limited
✨Know Your Numbers
As a Senior Credit Risk Analyst, you'll be expected to have a strong grasp of data and metrics. Brush up on key performance indicators related to credit risk, profitability, and pricing models. Be ready to discuss how you've used data to drive decisions in your previous roles.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical prowess during the interview. Bring examples of past projects where you developed or optimised credit models or conducted impact analyses. Highlight your experience with machine learning and AI in decision science, as this will resonate well with the interviewers.
✨Communicate Clearly
You’ll need to translate complex findings into simple insights for stakeholders. Practice explaining your past work in a way that’s easy to understand. Use clear, non-technical language to convey your ideas, as this will show your ability to communicate effectively across teams.
✨Be Ready to Collaborate
This role involves working closely with various teams, so be prepared to discuss your collaborative experiences. Share examples of how you've influenced cross-functional teams and contributed to high-performing groups. Emphasise your leadership skills and how you can bring people together to achieve common goals.
