Credit Risk Analytics Consultant – Hybrid London

Harnham; Greater London; Hybrid; GBP 68,000 - 83,000; Full time

Benefits offered by this job

Hybrid work

Competitive salary

Career progression

Job summary

Harnham is seeking an Associate Consultant in London to deliver client analytics projects for major lenders and financial services firms. You will build credit scorecards, develop lending strategies, and create statistical models using CRA data, driving commercial outcomes with data-driven insights.

The role is highly client-facing, responsible from discovery through delivery, and requires balancing technical excellence with business impact in a hybrid London setting.

Qualifications

• 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.

Responsibilities

• 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 industries.
• Presenting technical findings and commercial recommendations to senior stakeholders.
• Supporting clients to improve lending decisions through data-driven insights.

Skills

Credit scorecards

CRA data

Credit risk

SQL

Python

SAS

Logistic regression

Machine learning

Communication

Tools

SQL

Python

SAS

Job description

Harnham is seeking an Associate Consultant in London to deliver client analytics projects for major lenders and financial services firms. You will build credit scorecards, develop lending strategies, and create statistical models using CRA data, driving commercial outcomes with data-driven insights.

The role is highly client-facing, responsible from discovery through delivery, and requires balancing technical excellence with business impact in a hybrid London setting.