Credit Risk Analytics Consultant

Harnham - Data and Analytics Recruitment; City Of London; Híbrido; GBP 68.000 - 83.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Hybrid working

Career progression

Cloud-based tech stack

Descripción de la vacante

Harnham - Data and Analytics Recruitment is seeking a Credit Risk Analytics Consultant in London (Hybrid). You will deliver analytics projects for major lenders, building credit scorecards and statistical models using CRA data, to improve lending decisions and portfolio performance.

The role combines client-facing consultancy with hands-on modelling across the full lifecycle, from discovery to delivery, with strong emphasis on insights and commercial impact.

Formación

• Experience building credit scorecards in a credit risk environment.
• Strong knowledge of CRA data (Equifax, Experian or TransUnion).
• Credit risk experience across model development or strategy.
• Strong SQL skills with Python or SAS (Python preferred).
• Experience with statistical modelling techniques such as logistic regression or ML.

Responsabilidades

• Develop acquiring and behavioural credit scorecards using CRA data.
• Build statistical and machine learning models including logistic and linear regression.
• Design and implement credit strategies for portfolios.
• Analyse large datasets using SQL and Python (or SAS).
• Deliver analytical consultancy projects for external clients.

Conocimientos

Credit risk analytics

CRA data (Equifax, Experian, TransUnio

SQL

Python

SAS

Client communication

Herramientas

SQL

Python

SAS

Descripción del empleo

Credit Risk 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 industrieslovs
• 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