Senior Credit Risk Analyst

Fair Finance; Greater London; Hybrid; GBP 55,000 - 86,000; Full time

Benefits offered by this job

Hybrid working

Dalston office

Job summary

Fair Finance is seeking a Senior Business Analyst to shape data-driven credit risk strategies and deliver insights for responsible lending decisions. You will leverage analytical expertise and Power BI proficiency to enhance portfolio performance and risk management.

The role involves collaborating with underwriting, policy and marketing teams, translating requirements into analytical solutions, and presenting insights to executives. Hybrid working is offered with base in London.

Qualifications

• 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.
• Excellent communication and stakeholder management skills.

Responsibilities

• Analyse credit risk performance across the personal loan portfolio using data analytics.
• Develop, maintain, and automate Power BI dashboards and reports for credit trends and risk exposure.
• Collaborate with policy, underwriting and marketing to refine scorecards and affordability assessments.
• Translate business requirements into analytical solutions supporting regulatory compliance.
• Identify early warning indicators and data-driven actions to mitigate risks.
• Contribute to development of credit risk models, stress testing and scenario analyses.

Skills

Credit risk

Data analysis

Stakeholder management

Problem solving

Communication

Tools

Power BI

SQL

Excel

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