At a Glance
- Tasks: Support responsible lending strategies and analyse data to drive innovation.
- Company: Fast-growing credit analytics firm with a strong reputation in the UK market.
- Benefits: Competitive salary, pension scheme, private medical insurance, and generous leave.
- Other info: Dynamic culture with significant career development opportunities and exposure to senior leadership.
- Why this job: Join a collaborative team and make a real impact in a high-growth environment.
- Qualifications: Analytical experience in consumer lending and strong quantitative skills required.
The predicted salary is between 50000 - 60000 £ per year.
Your CompanyNET Recruit are delighted to be partnering with an innovative and fast-growing credit, analytics and technology business who are seeking a talented Credit Analyst to join their team in a full-time, permanent capacity based in their London office. This organisation has built a strong reputation within the UK consumer lending market, combining cutting‑edge technology with advanced analytics to drive responsible lending and sustainable growth.
Formed as a specialist spin‑out from a highly successful UK consumer lending business, the company operates at the forefront of credit and data‑driven decision making. Working closely with a portfolio of established lending businesses, they have created a collaborative "one‑team" culture that brings together exceptional engineering, analytics and commercial talent. The successful candidate will join an ambitious and rapidly scaling environment, where they will play a key role in supporting responsible lending strategies, driving innovation and delivering analytical insight to senior stakeholders across the business.
Your Roles and Responsibilities
- Supporting the development and maintenance of affordability models, credit risk strategies and financial vulnerability screening criteria
- Analysing customer, market and regulatory data to identify trends, risks and opportunities to improve lending performance
- Assisting in the design and monitoring of credit risk rules and responsible lending policies across consumer lending products
- Producing detailed analytical insight and reporting for senior stakeholders, including executive leadership teams and third‑party partners
- Working with structured and unstructured datasets to support strategic business and commercial initiatives
- Exploring innovative technologies and solutions within areas such as Open Banking and Open Finance
- Collaborating closely with cross‑functional stakeholders across commercial, credit, technology and operational teams
- Supporting strategic projects aimed at improving both commercial and risk‑related KPIs
- Helping maintain the organisation's position as a leading responsible lending and technology‑driven business
What you will need to Apply
The ideal candidate for this role will have previous analytical experience within the UK consumer lending market, with strong exposure to credit risk, acquisitions analytics or related commercial analysis. Applicants should possess a strong quantitative background, alongside the ability to translate complex data into meaningful commercial insight with minimal supervision. Candidates should demonstrate hands‑on experience working with credit risk strategies across unsecured lending products such as personal loans, point‑of‑sale finance, BNPL or revolving credit products including credit cards. Exposure to Credit Reference Agency data and involvement in strategic risk projects would be highly advantageous.
Strong technical capabilities are essential for this role, including experience using SAS, SQL, Python or similar coding languages, alongside advanced Microsoft Excel skills. Exposure to Open Banking, AWS Quicksight or assistive AI technologies would also be beneficial. The successful individual will be commercially minded, detail‑oriented and highly collaborative, with excellent communication skills and the ability to build effective relationships across all levels of the business. Applicants should ideally hold a degree graded 2:1 or above in a quantitative discipline or possess equivalent demonstrable industry experience.
What you will get in Return
For the successful candidate, a highly competitive salary and benefits package will be offered, reflective of experience and expertise. This includes a pension scheme, discretionary annual bonus, life cover, private medical insurance, dental scheme, income protection insurance and enhanced family leave policies. Additional benefits include generous annual leave entitlement increasing with service, Perkbox membership, cycle‑to‑work scheme and access to wellbeing support services including counselling and GP access.
This role offers an excellent opportunity to gain direct exposure to company strategy and product performance within a high‑growth environment, alongside regular interaction with senior leadership and C‑level executives. The successful candidate will join a collaborative, meritocratic and fast‑paced culture where innovation is encouraged, decisions are made quickly, and career development opportunities are significant.
Credit Analyst employer: NET Recruit
Join a dynamic and innovative credit analytics firm in London, where you'll be part of a collaborative 'one-team' culture that values exceptional talent and encourages innovation. With a strong focus on responsible lending and sustainable growth, this company offers competitive salaries, comprehensive benefits, and significant opportunities for career development in a fast-paced environment. You'll gain direct exposure to strategic decision-making and work closely with senior leadership, making it an ideal place for those seeking meaningful and rewarding employment.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst
✨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 NET Recruit. 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 Credit Analyst
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 NET Recruit.
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 NET Recruit'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 NET Recruit
✨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 NET Recruit.
✨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 NET Recruit 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 NET Recruit 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.
