Senior Credit Risk Analyst

SENIOR 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

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