Credit Risk Analyst

Aimee Willow Connex Ltd; City of Westminster; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

A leading financial services firm in the UK is seeking a Credit Risk Modelling Analyst. This role will involve maintaining and enhancing default monitoring, analyzing customer risk transitions, and developing performance curves. Strong analytical skills and experience with SQL and visualization tools are essential. The position offers hybrid working arrangements, ensuring a modern work-life balance.

Qualifications

• Proven experience in a credit, portfolio, or risk analytics role.
• Strong understanding of consumer or commercial credit lifecycle.
• Hands-on analytical skills with a comfort in large datasets.

Responsibilities

• Maintain and enhance the firm's default and delinquency monitoring.
• Analyse customer transitions through risk states.
• Develop, maintain, and interpret performance curves.

Skills

Credit risk analytics

Data analysis

SQL proficiency

Visualisation tools (Power BI/Tableau)

Presentation skills

Commercial awareness

Job description

Credit Risk Modelling Analyst

London Office- Hybrid working

The Role

We're looking for a Credit Risk Analyst to take ownership of how we understand, measure, and forecast customer defaults across our lending portfolio.

Key Accountabilities

• Maintain and enhance the firm's default and delinquency monitoring
• Analyse how customers transition through risk states, identifying trends and drivers of early-stage arrears and defaults
• Develop, maintain, and interpret performance curves (e.g. vintages, cohort analyses, Month on Book curves) to understand changes in credit quality
• Produce clear, concise insight for senior stakeholders, turning complex analysis into actionable recommendations
• Support the development and refinement of credit strategies, including acquisition policy changes and behavioural risk management
• Work closely with data, product, and risk teams to shape how the business measures performance and exposure
• Assist in the design of portfolio health dashboards and risk MI, ensuring reliable and timely reporting
• Drive improvements in data quality, reporting consistency, and how the business records and interprets customer lifecycle events

Skills & Experience

• Proven experience in a credit, portfolio, or risk analytics role
• Strong understanding of consumer or commercial credit lifecycle, including arrears, roll rates, charge‑off processes, and recoveries
• Hands‑on analytical skills with the ability to work confidently with large datasets
• Proficiency in SQL for deep‑dive investigations and building repeatable analysis
• Confidence with visualisation tools (e.g. Power BI / Tableau)
• Comfortable working with performance curves and diagnosing shifts in default behaviour
• Skilled in presenting complex findings to stakeholders, including non‑technical audiences
• Strong commercial awareness - understanding how default timing affects profitability, exposure, and model outcomes
• Experience with statistical modelling is beneficial but not essential