At a Glance
- Tasks: Analyse credit risk and optimise lending strategies using data-driven insights.
- Company: Join a fast-growing fintech company making waves in the UK and US markets.
- Benefits: Enjoy flexible working, health coverage, and social events to connect with colleagues.
- Other info: Dynamic environment with opportunities for personal and professional growth.
- Why this job: Make a real impact on consumer finance products while collaborating with innovative teams.
- Qualifications: Experience in coding with Python/SQL and a strategic mindset for credit risk.
The predicted salary is between 60000 - 80000 £ per year.
We're looking for an analytically-minded Senior Credit Risk Analyst ready to support driving meaningful change in our consumer finance products in the UK or USA markets. This role is ideal for someone who is confident with data, comfortable coding, and eager to solve complex problems. You'll be part of a collaborative, ambitious organisation where ideas are encouraged and bureaucracy is minimal. Your work will have a tangible impact, driving strategic decisions and enhancing our portfolio performance.
Responsibilities
- Optimising credit decisioning: who to lend to, how much to lend, and at what interest rate.
- Assessing and adapting to external economic conditions.
- Developing and owning models that forecast returns and guide investor reporting.
- Define and refine credit strategies that align with our evolving portfolio goals.
- Discover insights from data using tools like Python and SQL to address key business questions.
- Collaborate cross-functionally with product, engineering, data, and operations teams to implement strategies.
- Monitor and assess the success of implemented strategies and continuously identify areas for improvement.
Qualifications
- Daily coding experience, with proficiency in Python and/or SQL.
- Proven experience in credit risk strategy, ideally within credit card lending.
- A strategic mindset and the ability to translate complex data into clear, actionable decisions.
- A focus on delivering results that align with both commercial and customer needs.
- A collaborative, open approach and a willingness to challenge your own assumptions.
Benefits
- Flexible working: hybrid roles require three days in-office weekly; fully remote roles include opportunities for in-person connection through socials and off-sites.
- Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls.
- Health coverage: private health cover for physical and mental wellbeing.
- Retirement & savings: long-term financial wellbeing through retirement savings plans.
- Employee referral programme: earn a competitive bonus when you refer successful new team members.
- Office meals & snacks: fully stocked kitchen, plus complimentary lunches on in-office days at select locations.
- Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations.
About Lendable
Lendable is a fintech company focused on building technology to help people get credit and save money. We are growing rapidly in the UK and US markets.
Senior Credit Analyst in City of Westminster employer: Lendable Ltd
Lendable is an exceptional employer that fosters a collaborative and ambitious work culture, where your analytical skills as a Senior Credit Analyst will directly influence our consumer finance products in the UK and USA. With flexible working arrangements, comprehensive health coverage, and a strong focus on employee growth through cross-functional collaboration, you'll find ample opportunities to make a meaningful impact while enjoying a supportive environment that values innovation and teamwork.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Analyst in City of Westminster
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Lendable Ltd. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Senior Credit Analyst in City of Westminster
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Lendable Ltd.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Lendable Ltd's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Lendable Ltd
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Lendable Ltd.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Lendable Ltd will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Lendable Ltd employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
