Senior Credit Risk Analyst

Fair Finance Group; England; Hybrid; GBP 65,000 - 95,000; Full time

Benefits offered by this job

Flexible hybrid working

Purpose-driven culture

Supportive environment

Job summary

Fair Finance is seeking a Senior Business Analyst to shape data-driven credit risk strategies and deliver actionable insights. You will leverage your expertise in credit risk and Power BI to enhance portfolio performance and underwriting decisions.

You will work across policy, underwriting and marketing teams to refine scorecards, segmentation and affordability assessments, while ensuring regulatory compliance and high-quality data governance.

Qualifications

• Proven experience as a Business Analyst/Data Analyst in consumer lending, retail banking or fintech.
• Strong understanding of credit risk principles and regulatory frameworks.
• Advanced proficiency in Power BI, SQL and Excel for data analysis and visualisation.
• Experience with predictive modelling using statistical techniques.
• Excellent problem-solving and analytical thinking with the ability to translate data into insights.
• Excellent communication and stakeholder management skills.

Responsibilities

• Analyse credit risk performance across the enterprise’s personal loan portfolio using advanced data analytics tools and techniques.
• Develop, maintain, and automate Power BI dashboards and reports to monitor credit trends, default patterns, and risk exposure.
• Collaborate with credit policy, underwriting and marketing teams to refine scorecards, segmentation strategies, and affordability assessments.
• Translate business requirements into analytical solutions that support strategic objectives and regulatory compliance.
• Identify early warning indicators and recommend data-driven actions to mitigate emerging credit risks.
• Contribute to the development of credit risk models, stress testing, and scenario analyses to improve decision-making.
• Prepare and deliver clear presentations of insights to senior executives, board members, and external stakeholders.

Skills

Business analytics experience

Credit risk principles

Power BI

SQL

Excel

Predictive modelling

Problem-solving

Stakeholder management

Tools

Python

R

Job description

Location: Based in our Dalston office with flexibility to WFH

Contract: Permanent, full time (37.5hrs per week)

About us

Fair Finance's mission is to revolutionise financial services to make it more inclusive and fair for

everyone. We design and deliver financial services to improve the financial wellbeing and have a

positive impact on our clients.

For nearly 20 years we have worked with hundreds of thousands of accesses affordable credit,

manage their finances and avoid high-cost lenders. Our work has influenced Government policy,

credit legislation and shown how Purpose and Profit can work together to change the financial

system for the better.

We're an established organisation with a proven track record, now undergoing an ambitious digital

and scale up transformation that will allow us to achieve scale and impact across the country.

About the role

The Senior Business Analyst will play a pivotal role in shaping data-driven credit risk strategies and delivering insights that inform responsible lending decisions.

You will leverage your analytical expertise, credit risk knowledge, and Power BI proficiency to enhance our portfolio performance, credit models, and operational effectiveness.

Key Responsibilities

• Analyse credit risk performance across the enterprise’s personal loan portfolio using advanced data analytics tools and techniques.

• Develop, maintain, and automate Power BI dashboards and reports to monitor credit trends, default patterns, and risk exposure.

• Collaborate with credit policy, underwriting and marketing teams to refine scorecards, segmentation strategies, and affordability assessments.

• Translate business requirements into analytical solutions that support strategic objectives and regulatory compliance.

• Identify early warning indicators and recommend data-driven actions to mitigate emerging credit risks.

• Contribute to the development of credit risk models, stress testing, and scenario analyses to improve decision-making.

• Prepare and deliver clear presentations of insights to senior executives, board members, and external stakeholders.

• Support continuous improvement of data quality, governance, and analytical processes across the risk function.

Skills and Experience

Essential:

• Proven experience as a Business Analyst or Data Analyst within consumer lending, retail banking, or fintech sectors.

• Strong understanding of credit risk principles, credit lifecycle management, and regulatory frameworks.

• Advanced proficiency in Power BI, SQL, and Excel for data analysis and visualisation.

• Experience with predictive modelling using statistical techniques.

• Exceptional problem-solving and critical-thinking skills, with the ability to translate complex data into actionable insights.

• Excellent communication and stakeholder management skills.

Desirable:

• Exposure to social impact or financial inclusion initiatives.

• Familiarity with Python, R, or other analytics tools.

• Experience with stress testing and machine learning models.

Why work for Fair Finance:

• We believe in employing, growing and building around exceptional people who share our values

• We will give you the environment where you can genuinely put clients before profits and make a difference in our clients’ lives.

• We will provide you with a supportive workplace surrounded by peers who want you to do well, with responsibility to make a real difference in the organisation and the opportunity to thrive and make the role your own.

• We are a diverse organisation full of people who understand the balance between achieving business objectives and our social mission.

• Our Head Office is in a shared workspace in Dalston, housing creative businesses, social enterprises and charities.

• Hybrid working and work practice flexibility is offered