Full job descriptionSENIOR CREDIT RISK ANALYST
£55,000-£70,000
LONDON


This is an excellent opportunity for a Senior Credit Risk Analyst to join a high-growth fintech business where data-driven decision making sits at the heart of the organisation. You’ll have the autonomy to shape credit strategy, influence commercial outcomes, and work closely with senior stakeholders in a fast-paced environment that values innovation and ownership.


THE COMPANY
They are a successful and rapidly scaling consumer lending business that is transforming the way financial products are delivered. Using advanced analytics, technology, and automation, they have built a customer-focused proposition that challenges traditional approaches within the financial services sector.
With a strong track record of growth and profitability, they continue to invest heavily in data, machine learning, and analytics capabilities. Their collaborative culture encourages ownership, continuous improvement, and the freedom to challenge existing thinking.




THE ROLE


*As a Senior Credit Risk Analyst, you will play a key role in shaping credit card strategy and driving portfolio performance through data-led insights.
*Defining and optimising credit risk strategies across customer acquisition and portfolio management
*Using Python and SQL to analyse large datasets and uncover actionable insights
*Developing recommendations on credit decisioning, lending limits, pricing, and portfolio performance
*Monitoring the effectiveness of implemented strategies and identifying opportunities for continuous improvement
*Supporting forecasting activities and contributing to risk model performance assessment
*Partnering with cross-functional teams to implement strategies and deliver measurable business impact
*Evaluating external market conditions and economic trends to inform credit risk decisions


YOUR SKILLS AND EXPERIENCE
*Strong commercial experience in credit risk analytics within credit cards or consumer lending
*Advanced coding capability using SQL and ideally Python on a daily basis
*Experience developing and implementing credit risk strategies
*Strong analytical and problem-solving skills with the ability to translate data into business outcomes
*Experience working with large datasets and generating insights that influence decision making
*Confident communicating findings and recommendations to both technical and non-technical stakeholders
*A proactive mindset with a willingness to challenge assumptions and improve existing processes


SALARY AND BENEFITS
*£55,000- £70,000
*Performance-related bonus
*Equity participation scheme
*Private healthcare coverage
*Hybrid working model with flexibility to work remotely on selected days
*High-impact role with significant ownership and exposure to senior leadership
*Opportunity to work alongside highly skilled analytics, product, and technology teams
*Clear progression opportunities within a growing analytics and risk function


HOW TO APPLY

Please register your interest by sending your CV to Rachael Lewis through the ’Apply’ link