Credit Analyst

Practicus; England; Hybrid; GBP 40,000 - 60,000; Full time

Benefits offered by this job

Competitive salary

Discretionary annual bonus

Strong benefits package, including pension and PMI

25–28 days holiday

Job summary

A leading financial services firm in the UK is looking for a Credit Analyst to develop risk models and support responsible lending initiatives. The ideal candidate has 2-3 years of experience in credit risk analysis within consumer lending and strong skills in SAS, SQL, and Python. Competitive salary and excellent benefits are offered in a hybrid working environment.

Qualifications

• 2–3+ years in a credit risk or analytics role within UK consumer lending.
• Exposure to personal loans, credit cards, BNPL, or point-of-sale finance.
• Hands-on experience with credit reference agency data.

Responsibilities

• Develop and maintain affordability and credit risk models.
• Support responsible lending initiatives.
• Use data and analytics to deliver actionable insights.

Skills

Quantitative or analytical focus

Credit risk analysis

SAS

SQL

Python

Advanced Excel

Open Banking

Commercial awareness

Education

Degree in a quantitative or analytical field

Job description

This range is provided by Practicus. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

Direct message the job poster from Practicus

Credit Analyst | Confidential Financial Services Firm

A fast-growing credit, analytics and technology business backed by a major international financial group is looking for a Credit Analyst to join its London-based team.

The company combines the best of finance, data science and technology to drive smarter, more responsible lending decisions across multiple UK consumer credit brands. This is a fantastic opportunity to work closely with senior leaders, influence strategy, and help shape the next generation of responsible lending models.

The Role

• Develop and maintain affordability and credit risk models, rules, and policies
• Support responsible lending and financial vulnerability initiatives
• Use data and analytics to deliver actionable insight and optimise decisioning
• Explore innovative credit solutions, including Open Banking / Open Finance
• Present insights and recommendations to senior management and key stakeholders

About You

🎓 Background & Experience

• Degree with strong quantitative or analytical focus
• 2–3+ years in a credit risk or analytics role within UK consumer lending
• Exposure to personal loans, credit cards, BNPL, or point-of-sale finance
• Hands‑on experience with credit reference agency data and policy development
• Strong analytical mindset – able to turn data into insight and business action
• Confident with SAS, SQL or Python and advanced Excel skills
• Commercially astute and able to balance risk vs. growth
• Familiarity with Open Banking data or AWS Quicksight a plus

💬 Personal Traits

• Self‑starter with integrity and reliability
• Detail‑focused but commercially aware
• Clear communicator and collaborative team player
• Curious, pragmatic, and open to innovation

What’s on Offer

✅ Competitive salary and discretionary annual bonus

✅ Full exposure to company strategy and product P&L

✅ Regular engagement with C‑level leadership

✅ Modern, informal, and collaborative work culture

✅ Strong benefits package including pension, life cover, PMI, dental, income protection, and 25–28 days holiday

✅ Hybrid working from a modern London office

If you’re an analytical thinker who thrives on solving complex credit challenges and wants to be part of a high‑impact, data‑driven business, this is the perfect next step in your career.

Seniority level

Mid‑Senior level

Employment type

Full‑time

Job function

Finance, Analyst, and Information Technology

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