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For Companies At a Glance
- Tasks: Lead decision science and credit models to drive product performance and strategy.
- Company: Join a dynamic fintech company focused on innovation and growth.
- Benefits: Competitive salary, flexible working, and opportunities for professional development.
- Why this job: Make a real impact by using data to shape credit strategies and enhance products.
- Qualifications: Experience in credit risk analytics and strong analytical skills required.
- Other info: Fast-paced environment with great potential for career advancement.
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: LGBT Great
Contact Detail:
LGBT Great 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 people in the industry, attend events, and connect 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
Showcase your skills! Prepare a portfolio of your work that highlights your experience in decision science and credit risk analytics. This will give potential employers a tangible sense of what you can bring to the table.
✨Tip Number 3
Practice your pitch! Be ready to explain your insights and findings in a clear, non-technical way. This is crucial for roles like Senior Credit Risk Analyst where communication with stakeholders is key.
✨Tip Number 4
Apply through our website! We love seeing candidates who are genuinely interested in joining us. Tailor your application to highlight how your skills align with our needs in credit models and portfolio performance.
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, credit risk analytics, and any relevant data modelling skills. We want to see how your background aligns with our needs!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk and how you can contribute to our team. Be sure to mention specific examples of your past work that relate to the job description.
Showcase Your Analytical Skills: Since this role involves a lot of data-driven decision making, make sure to highlight your analytical and problem-solving abilities. Share examples of how you've used data to influence business decisions or improve processes in previous roles.
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at LGBT Great
✨Know Your Numbers
As a Senior Credit Risk Analyst, you'll need to demonstrate your analytical prowess. Brush up on key metrics related to credit risk performance and profitability. Be ready to discuss how you've used data to drive decisions in past roles.
✨Showcase Your Leadership Skills
This role requires strong leadership and collaboration with cross-functional teams. Prepare examples of how you've influenced stakeholders and led teams to success. Highlight your ability to build high-performing teams and manage multiple priorities.
✨Master the Art of Communication
You’ll need to present complex findings in a clear, non-technical way. Practice explaining your previous projects or analyses to someone without a technical background. This will show your ability to make insights accessible to all stakeholders.
✨Stay Current with Trends
Familiarise yourself with the latest trends in decision science, machine learning, and AI as they relate to credit risk. Be prepared to discuss how you can leverage these technologies to enhance credit models and product pricing strategies.
