Credit Risk Analyst

Posted 3 hours 7 minutes ago by Harnham - Data & Analytics Recruitment

£45,000 - £50,000 Annual
Permanent
Full Time
Other
London, United Kingdom
Job Description

Credit Risk Analyst

£45,000-£50,000

London + hybrid working (3-4 days per week in the office)

Harnham are working with a fast growing UK lender in the secured and unsecured lending space, hiring a Credit Risk Analyst to support their next phase of growth. This is a great opportunity for an early career analyst to join a business launching new products and scaling rapidly.

THE COMPANY
  • A high growth UK lending scale-up offering innovative consumer credit products.
  • Recently reached profitability and now entering a major expansion phase, including the launch of a new unsecured loan product.
  • Operates in a fast paced, low bureaucracy environment where analysts can make a real impact.

THE ROLE

This role sits within a growing credit risk function and will focus on shaping acquisition strategies, underwriting policy and supporting the launch of new lending products. You'll work across a broad variety of projects within credit risk, with the opportunity to develop modelling and decisioning skills. Specifically, you can expect to be involved in:
  • Developing and optimising credit strategies for new customer acquisition.
  • Working on origination, scoring cut-offs and accept/decline policies.
  • Enhancing and maintaining decision engine logic.
  • Contributing to credit modelling and wider analytics where appropriate.
  • Using data to support improvements across the full credit life cycle.
YOUR SKILLS AND EXPERIENCE
  • 1-2 years' experience in credit risk, financial services analytics, or similar data-driven environments.
  • Experience working with customer or credit data to generate insight.
  • Familiarity with credit strategy, policy, scoring, MI or portfolio analytics.
  • Strong SQL skills (essential).
  • Python and data visualisation tools beneficial.

THE BENEFITS

  • Opportunity to have real influence in a small, high growth team.
  • Strong progression potential with clear internal development pathways.
  • Exposure to a wide range of credit products and analytics projects.
  • Fast-moving environment with the ability to implement change quickly.
THE PROCESS
  • Initial 30-minute interview with HR.
  • 30-minute interview with a senior member of the credit team.
  • Final in-person stage including a short case-study discussion and meeting with senior leadership.

HOW TO APPLY

Please register your interest via the apply link on this page.