Senior Credit Risk Analyst

Senior Credit Risk Analyst

Department: Credit Risk

Employment Type: Permanent

Location: London

We are seeking a Senior Credit Risk Analyst with strong experience in the UK Market, particularly in consumer or SME lending. The Senior Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies.

• Risk Analysis:
  Utilising statistical techniques and data analysis to assess portfolio-level credit risk.
• Portfolio Monitoring:
  Identifying trends, risks, and opportunities across customer segments using advanced analytics.
• Policy and Strategy Development:
  Supporting the creation of credit risk policies, underwriting strategies, and pricing.
• Data-Driven Insights:
  Delivering actionable insights and recommendations to optimise risk-adjusted returns.
• Stakeholder
  
  Collaboration:
  
  Working with internal teams, including operations, product, finance, and compliance, to align risk management objectives with business goals.

• A degree in Finance, Statistics, Economics, Mathematics, or a related field.
• Proficient in SQL.
• Experience with credit scoring systems, credit policy and methodologies.
• Strong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
• Experience with data visualization tools and techniques.
• Excellent analytical, problem-solving skills and attention to detail.

• Experience in SME lending
• Python

• Award-Winning Workplace:
  You Lend has been recognised as one of the “Best Places to Work in 2024 and 2025” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
• Award-Winning Fintech:
  You Lend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.
• High-growth expansion with clear outlook to compensation and career growth.
• Well-capitalised with supportive private equity backing.
• Part of Banking Circle Group with a fully licensed Luxembourg bank, supporting European expansion.
• High-quality team that pushes each other to succeed.
• Strong and transparent team culture.
• Independent work environment where results matter.
• Data-driven culture and emphasis on speed.
• Stock Options, Private Medical insurance via Vitality, Dental Insurance with BUPA, EAP with Health Assured, Enhanced Maternity and Paternity Leave, Modern office space in Central London, Free Gym, Subsidised Lunch, Deliveroo Allowance, Monthly massage, Team and Company Socials, Football Power League / Paddle and Yoga Club.

At You Lend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.