Full job descriptionSENIOR CREDIT RISK ANALYST
LONDON | £55,000 - £70,000
This is an exciting opportunity to join a high-growth fintech that is transforming consumer lending through data, technology, and innovative credit decisioning. You’ll play a key role in shaping credit card strategy, using advanced analytics to influence lending decisions and drive the performance of a rapidly expanding portfolio.
THE COMPANY
They are a leading fintech business that has built a reputation for challenging traditional lenders through technology and data-driven decision making. With continued investment in analytics, machine learning, and innovative data sources, they have created a fast-paced environment where ideas are implemented quickly and individual contributions have a visible impact. Their collaborative culture gives analysts significant ownership and exposure to key commercial decisions.
THE ROLE
*Develop and optimise credit strategies across a growing lending portfolio
*Analyse customer and portfolio performance data to identify opportunities for growth and improved risk outcomes
*Build and monitor forecasting models to assess portfolio performance and profitability
*Drive strategy across areas such as underwriting, credit limits, pricing, and portfolio management
*Generate insights from large datasets and translate findings into actionable recommendations
*Work closely with product, engineering, and analytics teams to implement new strategies
*Monitor the performance of live strategies and recommend enhancements based on results
*Take ownership of analytical projects that directly influence business performance
YOUR SKILLS & EXPERIENCE
*Strong commercial experience within Credit Risk Analytics in consumer lending
*Experience developing or managing credit strategies, including areas such as acquisitions, underwriting, credit limits, pricing, or portfolio management
*Strong hands-on coding experience using Python and SQL on a regular basis
*Experience using data to solve business problems and influence commercial decisions
*Strong understanding of credit risk strategy and portfolio performance within unsecured lending
*Ability to independently identify opportunities, challenge assumptions, and drive improvements
*Experience working cross-functionally to deliver analytical solutions into production
*Strong communication skills with the ability to present insights and recommendations to a range of stakeholders
WHAT THEY OFFER
*£55,000 - £70,000 base salary depending on experience
*Hybrid working model
*Opportunity to work within a market-leading fintech
*Exposure to advanced analytics, machine learning, and alternative data sources
*Significant ownership and autonomy from day one
*Clear progression opportunities within a growing Credit Risk function
*Collaborative and intellectually stimulating environment focused on innovation and impact
HOW TO APPLY
Please register your interest by sending your CV through the Apply link.