Credit Risk Analyst in Glasgow

Reports to: Risk Lead

Department: Legal, Risk and Compliance

Location: Glasgow / hybrid (3 days in office per week)

Key internal stakeholders: Risk Lead, MD Finance & Capital Markets, Chief Commercial Officer, Head of Underwriting

Main external stakeholders: Funders, sourcing and criteria systems

Deadline: 5pm, 28 May 2026

LiveMore exists to challenge the unfair NOs in the mortgage world. That’s why our mission is to empower mortgage brokers to lend more by turning NOs into YESs and by maximising affordable borrowing. By doing that whenever we can, we help our customers live more and be ready for all that’s yet to come.

Using our unique LiveMore Mortgage Matcher® and LiveMore Maximum Borrowing Calculator decision engine technology, we excel at overcoming challenges involving affordability, risk and Consumer Duty. We innovate for customers and mortgage brokers in need, where others don’t – like with LiveMore’s current mortgages ‘up to’, ‘into’ and ‘in’ retirement.

LiveMore is an innovative company with ambitious plans, and we know that our people are the key to achieving our goals. As evidence of our growth, in June 2025 we were recognised as one of the Top 100 Fastest Growing Companies in the UK by the Business Leaders 500. In 2025, we grew our annual lending volumes by over 80% to lend c.£350m and completed our second £200m+ securitisation.

Role: The Credit Risk Analyst for Mortgages is responsible for monitoring portfolio credit performance, reviewing underwriting consistency, supporting credit policy and decisioning design, identifying credit related opportunities for the business, providing risk analysis and making recommendations on lending outside standard criteria.

Responsibilities:

• Ensure lending criteria are accurately reflected in underwriting processes and automated decisioning rules, and communicate changes clearly to proposition, underwriting, and operations teams.
• Review and analyse completed loans in arrears within LiveMore’s live portfolio, provide direction to servicing teams, and ensure relevant learnings are incorporated into the underwriting process where applicable.
• Support the development and periodic review of credit risk policies, lending criteria, and funding-related risk requirements.
• Monitor new business pipeline performance through regular MI and interaction with the sales team and identify emerging risk trends, conversion issues and opportunities and feed recommendations back to proposition and underwriting teams.
• Conduct detailed reviews of individual underwriting decisions to test consistency of policy application, identify judgement trends, and recommend improvements to credit controls.
• Act as the first point of contact for applications outside normal lending criteria, undertake risk-based assessments, and prepare recommendations for decision-makers.
• Prepare regular portfolio, policy exception, and risk trend reporting, and present clear insights and recommendations to senior management and relevant governance forums.
• Support the development and refinement of automated decisioning, risk rules, and analytics using appropriate data, modelling, and technology tools.
• Provide analysis and recommendations to support decisions on risk appetite, lending criteria, and controlled enhancements to lending policy.
• Provide guidance to junior colleagues and business teams on credit policy application, risk issues, and exception themes.
• Develop and maintain regular stress tests for LiveMore’s lending portfolio using a library of what-if scenarios.

Requirements:

• Sound knowledge of mortgage products, underwriting processes, and regulatory frameworks in the UK.
• Proven experience in credit risk within the UK mortgages sector (at least 5 years demonstrable experience in a credit role).
• Strong analytical and quantitative skills, including experience with portfolio analysis, trend reporting, and risk modelling using relevant data and reporting tools.
• Excellent communication and presentation skills, with the ability to produce high-quality MI and explain complex credit issues to underwriting teams, proposition colleagues, and senior stakeholders.
• Ability to work collaboratively in a cross-functional team environment.
• Attention to detail and strong organisational skills.
• Commitment to continuous improvement and professional development within the risk management field.

Benefits and environment:

• Growth shares.
• Annual performance bonus (cash and growth shares).
• Hybrid working (3 days per week in office).
• 30 days’ holiday, plus UK bank holidays.
• Private health cash reimbursement plan.
• Employer pension contribution.
• Salary-sacrifice pension scheme, saving marginal rate on contributions.
• Salary-sacrifice nursery voucher scheme, as above.
• Employee assistance programme.