Associate Credit Analytics

Kensington Mortgages; Remote; GBP 35,000 - 50,000; Full time

Job summary

A prominent mortgage provider is seeking an Associate in credit analytics to monitor and analyze mortgage portfolio performance. The role involves developing pricing models, preparing dashboards, and collaborating with various departments. Ideal candidates will have expertise in financial risk analysis, advanced skills in Excel and VBA, and knowledge of SQL and Python. Join a company that values diversity and offers a supportive work environment focused on professional development.

Qualifications

• Experience in financial or credit risk analysis, ideally within the UK mortgage market.
• Strong working knowledge of SQL and Python for data analysis, automation, and model development.
• Ability to analyse large datasets and support credit policy, pricing strategy, risk forecasting, and performance monitoring.

Responsibilities

• Monitor and analyse the credit quality and performance of the mortgage portfolio.
• Support the development and enhancement of product pricing models.
• Prepare and maintain portfolio dashboards, KPI packs, and ad hoc analytics reports.

Skills

Financial or credit risk analysis

Advanced Excel and VBA

SQL and Python

Data analysis

Clear written and verbal communication

Attention to detail

Education

Degree level qualification

Postgraduate or professional qualification

Job description

Location : UK, Remote

Department : Portfolio Strategy Credit & Analytics Reports to : Director ¿ PSCA Are you passionate about data-driven decision making and keen to develop your career in credit analytics? We¿re looking for an Associate to join our Portfolio Strategy Credit & Analytics team. This is an exciting opportunity to support the monitoring, analysis, and pricing of mortgage products, working alongside senior colleagues and cross-functional teams to deliver robust insights and drive continuous improvement.

What you’ll do:

• Monitor and analyse the credit quality and performance of our mortgage portfolio, focusing on affordability, underwriting, and pricing policies.
• Support the development and enhancement of product pricing models to forecast customer behaviour and product economics.
• Analyse large mortgage datasets to identify trends, assess mandates, and prepare materials for risk and pricing committees.
• Prepare and maintain portfolio dashboards, KPI packs, and ad hoc analytics reports, including pricing and profitability analysis.
• Assist in reviewing and documenting mortgage affordability frameworks, customer behaviour models, and pricing strategies.
• Participate in validation and quality assurance of model outputs, providing recommendations to improve pricing accuracy.
• Collaborate with colleagues across Products, Risk, Finance, and Regulatory Reporting to ensure analytics and pricing are aligned and actionable.
• Communicate analysis and findings clearly to both technical and non-technical stakeholders.
• Support regulatory submissions and quarterly reporting, ensuring analytics and pricing are well‑evidenced.
• Maintain up-to-date procedural documents and support a strong risk‑awareness mindset.

What we’re looking for:

• Experience in financial or credit risk analysis, ideally within the UK mortgage market.
• Advanced proficiency in Excel and VBA for financial modelling, analytics, and reporting.
• Strong working knowledge of SQL and Python for data analysis, automation, and model development.
• Ability to analyse large datasets and support credit policy, pricing strategy, risk forecasting, and performance monitoring.
• Excellent written and verbal communication skills, with the ability to distil complex analytics into clear insights.
• Demonstrable risk awareness and attention to detail.
• Collaborative approach and willingness to learn from senior colleagues.
• Degree level qualification required; postgraduate or professional qualification desirable.

Why Join Us

At Kensington Mortgages, our people are at the heart of our success. We are committed to creating a supportive and flexible work environment that values personal growth, professional development, and a healthy work‑life balance. Our inclusive culture respects and celebrates diversity in all its forms, ensuring that everyone feels welcome, valued, and understood. We recognise and appreciate differences in thinking, learning styles, gender, race, identity, ethnic origins, and sexual expression. We are a neurodiversity‑friendly employer committed to creating an environment where all employees can thrive. Ready to make a difference? If you're passionate about providing exceptional service and want to join a team that values your contributions, we'd love to hear from you.

Apply today and become part of the Kensington Mortgages family, helping us make a positive impact in the lives of our customers. 02-Jan-2026 Home