Credit Analyst

Harrington Starr; Greater London; On-site; GBP 40,000 - 60,000; Full time

Job summary

Harrington Starr is seeking a Credit Analyst to join its Risk & Underwriting team in the UK fintech lending sector. You will independently manage end-to-end credit assessments, analyse financial statements, and help design underwriting tools and controls.

You will monitor portfolios and work with Data/Engineering to automate checks and enhance risk models. The role emphasizes ownership in a fast-paced, high-accountability environment and collaboration with cross-functional teams to improve the

Qualifications

• 2+ years underwriting experience in banking, fintech, or SME lending.
• Strong understanding of credit risk, financial statements, and underwriting methodologies.
• Commercially minded with excellent attention to detail.
• Autonomous and able to make decisions independently.
• Interest in data, technology and improving processes.

Responsibilities

• Independently manage end-to-end credit assessments with strong commercial judgement.
• Analyse financial statements, borrower performance and credit risk.
• Help design and improve underwriting tools, processes, models and controls.
• Monitor the existing portfolio and identify early warning indicators.
• Work with Data and Engineering to automate manual credit checks and improve risk models.
• Contribute to credit policy, risk monitoring and portfolio reporting.
• Work cross-functionally to continuously improve the lending journey.
• Take genuine ownership in a fast-paced, high-accountability environment.

Skills

Underwriting

Credit risk

Financial analysis

Decision making

Data analysis

Independent work

Tools

SQL

Excel

Job description

A fast-growing UK fintech lender is looking for a Credit Analyst to join its Risk & Underwriting team.

What You'll Do

• Independently manage end-to-end credit assessments with strong commercial judgement.
• Analyse financial statements, borrower performance and credit risk.
• Help design and improve underwriting tools, processes, models and controls.
• Monitor the existing portfolio and identify early warning indicators.
• Work with Data and Engineering to automate manual credit checks and improve risk models.
• Contribute to credit policy, risk monitoring and portfolio reporting.
• Work cross-functionally to continuously improve the lending journey.
• Take genuine ownership in a fast-paced, high-accountability environment.

What We’re Looking For

• 2 plus years underwriting experience, ideally within banking, fintech, SME lending or a similar environment.
• Strong understanding of credit risk, financial statements and underwriting methodologies.
• Commercially minded with excellent attention to detail.
• Highly autonomous and comfortable making decisions independently.
• A genuine interest in data, technology and improving processes.

Nice to Have

• Experience using SQL, Excel or other analytical tools.
• Experience with credit policy, scorecards or risk monitoring frameworks.
• Experience working alongside Data, Product or Engineering teams.

Why Join?

• Real ownership — influence both lending decisions and the technology behind them.
• Visible impact — work directly with senior stakeholders in a lean, high-trust environment.
• Build something — help shape a modern lending platform as the business scales.