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- Tasks: Analyse credit data and optimise risk strategies to drive business growth.
- Company: Join Updraft, a leading fintech revolutionising money management in London.
- Benefits: Enjoy a pension plan, paid time off, remote work, and training opportunities.
- Why this job: Make a real impact on financial health for hundreds of thousands of users.
- Qualifications: 3+ years in credit risk, strong analytical skills, and proficiency in SQL and Python.
- Other info: Be part of an award-winning team with excellent career growth potential.
The predicted salary is between 36000 - 60000 £ per year.
Updraft is an award‑winning FCA‑authorised fintech based in London. Our vision is to revolutionise the way people spend and think about money by automating day‑to‑day decisions involved in managing money and mainstream borrowings such as credit cards, overdrafts, and other loans.
A 360‑degree spending view across all financial accounts (using Open Banking) A free credit report with tips and guidance to help improve credit scores Native AI‑led personalised financial planning to help users manage money, pay off debts, and improve credit scores Intelligent lending products to help reduce cost of credit.
Updraft has built scale and is recognized in the UK fintech ecosystem. With over 800,000 users, we have helped users swap more than £500 million of costly credit‑card debt for smarter credit, improving financial health for hundreds of thousands. We are rated 4.8 on Trustpilot, 4.8 on the Play Store, and 4.4 on the iOS Store. Updraft was selected for the Technation Future Fifty 2025 and was featured on the Sifted 100 UK startups list in both 2024 and 2025.
We are seeking a skilled Consumer Credit Risk Strategy Analyst with 3+ years of experience in the UK credit markets, specifically within personal loans for debt consolidation. The successful candidate will play a critical role in assessing, monitoring, and optimising credit risk strategies to ensure a balanced approach between risk management and business growth.
Key Responsibilities- Conduct portfolio analytics to assess risk trends, customer behaviour, and loan performance.
- Analyse credit data, customer profiles, and market trends to enhance underwriting criteria.
- Work closely with stakeholders to optimise credit policies and improve lending strategies.
- Utilise statistical and machine learning techniques to support data‑driven risk assessment methodologies.
- Monitor key performance indicators related to loan approvals, delinquencies, and charge‑offs.
- 3+ years of experience in a credit risk role, preferably within personal loans and debt consolidation in the UK.
- Strong understanding of credit scoring models, risk analytics, and lending strategies.
- Relevant experience in working with UK credit bureau data and leveraging it for credit risk analysis.
- Experience or familiarity with the end‑to‑end life cycle of a retail loan portfolio.
- Proficiency in SQL and Python for data analysis and risk modelling.
- Experience working with decision engines and credit risk platforms.
- Strong analytical skills with the ability to translate data insights into business decisions.
- Excellent communication and stakeholder management abilities.
- Experience in alternative data usage for credit risk evaluation.
- Familiarity with Open Banking and fintech lending platforms.
- Bachelor's or Master's degree in Finance, Statistics, Mathematics, Economics, or a related field.
- Pension Plan
- Paid Time Off
- Work From Home
- Training & Development
Credit Strategy Analyst in City of London employer: Updraft
Contact Detail:
Updraft Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Strategy Analyst in City of London
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those who work at Updraft or similar companies. A friendly chat can open doors and give you insider info that could help you stand out.
✨Tip Number 2
Prepare for interviews by brushing up on your credit risk knowledge. Be ready to discuss how you've used data analytics in past roles. We want to see your passion for optimising credit strategies!
✨Tip Number 3
Showcase your skills with real examples! When discussing your experience, highlight specific projects where you improved lending strategies or analysed credit data. This will make your application memorable.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you're genuinely interested in joining Updraft and being part of our mission.
We think you need these skills to ace Credit Strategy Analyst in City of London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Strategy Analyst role. Highlight your experience in credit risk, especially within personal loans and debt consolidation. We want to see how your skills align with our mission at Updraft!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about fintech and how you can contribute to Updraft's vision. Be sure to mention any relevant experience with credit scoring models or data analysis.
Showcase Your Analytical Skills: Since this role involves a lot of data analysis, make sure to showcase your proficiency in SQL and Python. Include specific examples of how you've used these tools to drive business decisions in your 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 Updraft
✨Know Your Numbers
Make sure you brush up on your understanding of credit scoring models and risk analytics. Be prepared to discuss specific metrics and trends you've worked with in the past, especially those related to personal loans and debt consolidation.
✨Showcase Your Analytical Skills
Prepare examples that highlight your proficiency in SQL and Python. Think about how you've used these tools to analyse credit data or improve lending strategies. Being able to demonstrate your technical skills will set you apart.
✨Understand the Company’s Vision
Familiarise yourself with Updraft's mission to revolutionise financial management. Be ready to discuss how your experience aligns with their goals, particularly in automating financial decisions and improving credit scores for users.
✨Engage with Stakeholders
Since stakeholder management is key for this role, think of instances where you've successfully collaborated with different teams. Prepare to share how you’ve optimised credit policies or improved strategies through effective communication.
