Senior Credit Analyst

Senior Credit Analyst / Credit Analyst – SME Lending

We are working with an innovative and fast-growing lending business that is looking for a driven Senior Credit Analyst / Credit Analys t to join its Risk team

This is an exciting opportunity for someone who enjoys having real ownership over credit decisions and wants to play a key role in shaping the systems, processes, and frameworks behind them

• Independently manage end-to-end underwriting assessments for SME lending application
• Analyse financial information, business performance, and credit risk factors to make informed lending decision
• Apply strong commercial judgement when assessing borrower risk
• Support the development and optimisation of underwriting processes, credit policies, and risk assessment framework
• Help transform manual processes into scalable and efficient solution
• Monitor existing lending portfolios and identify early warning indicators of increased risk
• Work closely with Data, Product, Operations, and Commercial teams to improve lending decisions and customer outcome
• Provide insight and feedback to support the development of credit models and automated decision-making tool
• Contribute to portfolio reporting and ongoing risk management

ouYou will hav

• 3–5 years’ experience in credit analysis, underwriting, or lending risk
• Experience assessing SME lending applications or commercial credit risk
• Strong understanding of financial statements, credit risk metrics, and lending methodology
• The ability to make independent decisions and manage complex assessments with minimal supervision
• A proactive mindset with strong attention to detail and a desire to improve processes
• Credit scorecards or risk mode
• Data analysis tools such as SQL or advanced Excel modeling
• Working within a fintech, banking, or fast-growth lending environment