Credit Risk Analyst

Harnham; Greater London; On-site; GBP 50,000 - 60,000; Full time

Benefits offered by this job

Hybrid working with flexible remote options

Clear progression opportunities

Small, impactful team

Job summary

A UK-based FinTech scale-up is seeking a Credit Risk Analyst to support acquisition strategies and underwriting for a growing loan portfolio. The role involves analyzing credit data to identify trends and optimizing decision-making processes. Candidates with 1-2 years' experience in credit risk and strong SQL skills are encouraged to apply. The position offers a competitive salary of £50,000-£60,000 and a hybrid working model with flexible remote options.

Qualifications

• 1-2 years' experience in a credit risk, analytics, or financial services role.
• Strong SQL skills for data extraction and analysis.
• Interest in developing technical skills further, including credit modelling.

Responsibilities

• Support acquisition credit strategies and underwriting policy design.
• Analyze customer and credit data to identify trends and optimization opportunities.
• Improve and monitor automated decisioning systems.

Skills

Credit risk analysis

Data analysis

SQL

Credit strategy

Communication skills

Job description

Credit Risk Analyst

Salary: Base £50,000-£60,000 + benefits

Location + work pattern: London | Office-based Monday-Thursday, remote on Fridays. Flexible remote options available, including a work-from-anywhere allowance.

THE COMPANY

• A UK-based FinTech scale‑up operating in the consumer lending space.
• The business has grown rapidly over recent years and is now profitable, with ambitious plans to expand its product offering.
• Known for a modern, data‑driven approach and a collaborative, low‑bureaucracy culture.

THE ROLE

This is an early‑career credit risk role focused on acquisition and underwriting strategy for a growing loan portfolio. You will work closely with senior stakeholders to support credit decisioning and help shape risk strategies as new products launch.

Specifically, you can expect to be involved in:

• Supporting acquisition credit strategies, including originations and scorecard cut‑offs.
• Assisting with underwriting policy design and accept/decline decision logic.
• Analysing customer and credit data to identify trends and optimisation opportunities.
• Helping to improve and monitor automated decisioning systems.
• Gaining exposure to credit modelling projects where there is interest.

YOUR SKILLS AND EXPERIENCE

• 1-2 years' experience in a credit risk, analytics, or financial services role.
• Exposure to credit strategy, policy, scoring, or portfolio/MI analysis.
• Experience working with customer or credit data to generate insights.
• Strong SQL skills for data extraction and analysis.
• Interest in developing technical skills further, including credit modelling.
• Clear communication skills and the ability to work in a fast‑paced environment.

THE BENEFITS

• Salary of £50,000-£60,000.
• Hybrid working with Fridays remote and additional flexible work‑from‑anywhere allowance.
• Small, growing team with high visibility and real impact.
• Clear progression opportunities and scope for rapid development.
• Exposure to new product launches and a wide variety of projects.

THE PROCESS

• Initial interview focused on experience, technical capability, and competencies.
• Final‑stage, in‑office interview including team fit and follow-up technical discussion.
• Offer!

HOW TO APPLY

Please register your interest via the apply link on this page.