Principal, Credit Risk Analytics

Harnham - Data and Analytics Recruitment; Greater London; On-site; GBP 90,000 - 120,000; Full time

Benefits offered by this job

Additional benefits discussed during a

Job summary

Harnham invites a senior Credit Risk Analytics professional to London to own and lead complex engagements across the UK lending market. You will drive methodology, client delivery, and commercial outcomes while mentoring teams and shaping practice growth.

The role demands strong UK consumer/SME risk analytics expertise, portfolio insight, and leadership across scorecards, forecasting, provisioning, or capital modelling.

Qualifications

• Strong UK consumer or SME credit risk analytics experience.
• Extensive knowledge of lending portfolio and customer behaviour analysis.
• Expertise across scorecards, machine learning, forecasting, strategy development, provisioning, or capital modelling.
• Experience leading analytical teams and delivering complex projects.
• Advanced Python, SAS, or SQL capability, with Python highly desirable.
• Excellent client communication and stakeholder management skills.
• Consultancy experience would be advantageous.
• A 2:1 or above in a numerate degree.

Responsibilities

• Lead multiple credit risk and analytics engagements across consumer and SME lending.
• Own projects from scoping and methodology through to final client delivery.
• Lead analytical teams while remaining close to the technical work.
• Gain exposure across a number of projects, including scorecard modelling, forecasting, portfolio analytics, and credit strategy.
• Build and manage senior client relationships.
• Translate complex analysis into clear commercial recommendations.
• Mentor team members and strengthen technical and delivery capability.

Skills

Credit risk analytics

Portfolio analysis

Scorecards

Forecasting

Capital modelling

Python

SQL

SAS

Client management

Stakeholder management

Education

Numerate degree (2:1+)

Tools

Python

SAS

SQL

Job description

Principal, Credit Risk Analytics

London | 90-120k

An excellent opportunity for a senior Credit Risk Analytics professional to take ownership of complex consulting engagements across the UK lending market. You will combine technical credit risk expertise with project leadership, client management, and commercial responsibility.

The Company

They are a specialist consultancy working with a vast number of businesses on complex analytical and strategic challenges. Their team combines advanced credit risk analytics with commercial advisory expertise. This role offers significant scope to influence both client outcomes and the development of the consulting practice.

The Role

You will:

• Lead multiple credit risk and analytics engagements across consumer and SME lending.
• Own projects from scoping and methodology through to final client delivery.
• Lead analytical teams while remaining close to the technical work.
• Gain exposure across a number of projects, including scorecard modelling, forecasting, portfolio analytics, and credit strategy.
• Build and manage senior client relationships.
• Translate complex analysis into clear commercial recommendations.
• Mentor team members and strengthen technical and delivery capability.

Your Skills & Experience

• Strong UK consumer or SME credit risk analytics experience.
• Extensive knowledge of lending portfolio and customer behaviour analysis.
• Expertise across relevant areas such as scorecards, machine learning, forecasting, strategy development, provisioning, or capital modelling.
• Experience leading analytical teams and delivering complex projects.
• Advanced Python, SAS, or SQL capability, with Python highly desirable.
• Excellent client communication and stakeholder management skills.
• Consultancy experience would be advantageous.
• A 2:1 or above in a numerate degree.

What They Offer

• Competitive salary dependent on experience.
• Senior ownership of high-impact analytical projects.
• Exposure to complex credit risk challenges across the lending market.
• The opportunity to develop client relationships and influence business growth.
• Clear scope for continued leadership and professional development.
• Additional benefits discussed during the process.