Associate Risk Analytics Consultant

Harnham; Greater London; Hybrid; GBP 68,000 - 83,000; Full time

Benefits offered by this job

Hybrid working

Cloud-based tech stack

Strong Python emphasis

Job summary

Harnham is seeking an Associate Analytics Consultant in London to deliver analytics consultancy for major lenders. You will build credit scorecards, develop lending strategies and create models using CRA data, working with clients directly to deliver insights from discovery to delivery.

The role is highly client-facing, requiring strong communication and the ability to balance technical excellence with commercial impact.

Qualifications

• Experience developing credit scorecards in a credit risk environment.
• Strong knowledge of CRA data (Equifax, Experian or TransUnion).
• Proficiency in SQL and Python or SAS; modelling techniques incl. logistic regression.

Responsibilities

• Develop credit scorecards and lending strategies for clients.
• Build and validate statistical models and machine learning approaches.
• Analyse CRA data to support credit decisions and risk assessment.
• Present insights and recommendations to senior stakeholders.

Skills

Credit scorecards

CRA data

Credit risk

SQL/Python/SAS

Statistical modelling

Communication

Job description

Associate Analytics Consultant

London (Hybrid – Monday to Thursday Office / Friday Remote)

Up to £75,000

THE COMPANY

This global data, analytics and technology business helps organisations make smarter lending decisions through market-leading credit data, analytics and consultancy. Working with banks, lenders, telecoms and other major organisations, they develop analytical solutions that improve customer acquisition, credit decisions and portfolio performance. Having recently migrated to the cloud and invested heavily in Python, it's an exciting time to join a business known for its strong culture and excellent staff retention.

THE ROLE

As an Associate Consultant within the Client Analytics team, you'll deliver consultancy projects for some of the UK's largest lenders and financial services organisations. Working directly with clients, you'll build credit scorecards, develop lending strategies and create statistical models using Credit Reference Agency (CRA) data to help businesses make better lending decisions.

This is a highly commercial, client-facing position where you'll own analytical projects from discovery through to delivery, presenting insights and recommendations to senior stakeholders while balancing technical excellence with commercial impact.

You'll be responsible for:

• Developing acquisition and behavioural credit scorecards using CRA data
• Building statistical and machine learning models including logistic and linear regression
• Designing and implementing credit strategies for new and existing customer portfolios
• Analysing large datasets using SQL and Python (or SAS)
• Delivering analytical consultancy projects for external clients across multiple industries
• Presenting technical findings and commercial recommendations to senior stakeholders
• Supporting clients to improve lending decisions through data-driven insights

The role covers the full modelling lifecycle, including sample design, performance analysis, reject analysis and strategy development.

YOUR SKILLS AND EXPERIENCE

You’ll ideally have:

• Experience developing credit scorecards within a credit risk environment
• Strong knowledge of Credit Reference Agency (CRA) data (Equifax, Experian or TransUnion)
• Credit risk experience across model development or strategy
• Strong SQL skills alongside Python or SAS (Python preferred)
• Experience with statistical modelling techniques such as logistic regression or machine learning
• Excellent communication skills with the ability to present to clients and senior stakeholders

THE BENEFITS

• Up to £75,000 salary
• Hybrid working (Monday-Thursday office, Fridays remote)
• Work with a wide range of clients across financial services, telecoms and beyond
• Opportunity to work on varied analytical consultancy projects rather than a single portfolio
• Modern cloud-based technology stack with increasing use of Python
• Strong career progression within a business known for long employee tenure
• Two-stage interview process with a fast turnaround