About this role
SENIOR 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 managementUsing Python and SQL to analyse large datasets and uncover actionable insightsDeveloping recommendations on credit decisioning, lending limits, pricing, and portfolio performanceMonitoring the effectiveness of implemented strategies and identifying opportunities for continuous improvementSupporting forecasting activities and contributing to risk model performance assessmentPartnering with cross-functional teams to implement strategies and deliver measurable business impactEvaluating 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 lendingAdvanced coding capability using SQL and ideally Python on a daily basisExperience developing and implementing credit risk strategiesStrong analytical and problem-solving skills with the ability to translate data into business outcomesExperience working with large datasets and generating insights that influence decision makingConfident communicating findings and recommendations to both technical and non-technical stakeholdersA proactive mindset with a willingness to challenge assumptions and improve existing processes
SALARY AND BENEFITS
£55,000- £70,000Performance-related bonusEquity participation schemePrivate healthcare coverageHybrid working model with flexibility to work remotely on selected daysHigh-impact role with significant ownership and exposure to senior leadershipOpportunity to work alongside highly skilled analytics, product, and technology teamsClear 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