Senior Credit Risk Analyst

Location: South East London

SENIOR CREDIT STRATEGY ANALYST LONDON | £60,000 - £75,000  BONUS This is an exciting opportunity to join an innovative fintech that is redefining how consumer lending operates through data, technology, and customer-centric decision-making. You'll play a key role in shaping credit strategy, influencing lending decisions, and driving business growth within a highly analytical and fast-moving environment. THE COMPANY They are a market-leading fintech that leverages advanced analytics, modern technology, and rich customer data to deliver smarter financial products.

Innovation sits at the heart of their business, with data-driven decision-making embedded across every function. Their collaborative culture brings together experts across analytics, product, engineering, and data science to solve complex commercial challenges and deliver exceptional customer outcomes. As they continue to grow, they are investing heavily in their credit risk and strategy capabilities.

THE ROLE Optimise credit strategies and decisioning frameworks across lending products Develop and implement credit policy enhancements to improve portfolio performance Analyse portfolio trends and identify opportunities to drive growth and improve risk outcomes Build forecasting, pricing, and profitability models to support strategic decision-making Apply advanced analytical techniques to understand customer behaviour and lending performance Explore innovative data sources, including open banking data, to strengthen credit risk strategies Partner with product, engineering, data science, finance, and fraud teams on key business initiatives Present insights and recommendations to senior stakeholders Lead analytical projects that deliver measurable commercial impact YOUR SKILLS & EXPERIENCE Strong commercial experience within credit risk analytics in a consumer lending environment Strong SQL and/or Python skills with experience analysing large and complex datasets Experience developing, implementing, or optimising credit risk strategies and policies Excellent analytical and problem-solving skills Experience translating complex analysis into clear commercial recommendations Strong stakeholder management and communication skills Ability to work effectively within cross-functional teams Passion for using data to drive innovation and business performance WHAT THEY OFFER £60,000 - £75,000 base salary depending on experience Annual bonus scheme Exposure to cutting-edge analytics tools, data, and technology Significant ownership of high-impact projects Opportunity to work within one of the UK's most innovative fintech environments Clear career progression within a growing credit risk and analytics function Collaborative culture focused on learning, development, and knowledge sharing

HOW TO APPLY

Please register your interest by sending your CV through the Apply link.