Senior Credit Risk Analyst

Harnham - Data & Analytics Recruitment; London; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A fast-growing fintech firm specializing in embedded finance seeks a Senior Credit Risk Analyst in London. This role involves performing advanced data-driven credit risk analysis and collaborating across teams to shape risk management strategies, along with a competitive salary package and various benefits.

Benefits

Stock options

Private medical insurance (Vitality)

Enhanced maternity and paternity leave

Employee Assistance Programme (EAP)

Subsidised lunches

Free gym in office

Monthly in-office massage therapist

Regular team socials

Qualifications

• Degree in relevant fields such as Finance or Economics required.
• Experience in credit risk analysis, ideally in fintech or lending.
• Proficient in SQL and strong knowledge of credit risk metrics.

Responsibilities

• Perform in-depth credit risk analysis and monitor customer segment performance.
• Contribute to credit risk policies and generate actionable insights.
• Collaborate with product and finance teams for risk management.

Skills

Credit Risk Concepts

SQL

Data Visualization

Analytical Problem-Solving

Education

Degree in Finance, Economics, Statistics, Mathematics or related field

Tools

Python

Job description

Senior Credit Risk Analyst£60,000 - £80,000 + up to 15% bonusLondon (Hybrid Working)

An exciting opportunity has arisen at a fast-growing fintech firm specialising in embedded finance. This role offers the chance to work with high-profile global partners and play a key part in shaping credit risk strategy through data-driven insights and advanced analytics.
The Company
This award-winning fintech operates across the UK, EU, and US, empowering tech firms, payment platforms, and e-commerce leaders to offer flexible, branded financing to their merchant bases through a cutting-edge software.
The Role

• Perform in-depth portfolio-level credit risk analysis using statistical methods and data modelling
  
• Monitor and evaluate customer segment performance to identify risk trends and opportunities
  
• Contribute to the design and enhancement of credit risk policies, pricing models, and underwriting strategies
  
• Generate actionable, data-led insights to support optimisation of risk-adjusted returns
  
• Collaborate cross-functionally with product, finance, compliance, and operations teams to align risk management with business strategy
  

Your Skills and Experience

• Degree in Finance, Economics, Statistics, Mathematics or related field
  
• Proficiency in SQL
  
• Strong knowledge of credit risk concepts and metrics (PD, LGD, EAD)
  
• Demonstrated experience in credit risk analysis, ideally within fintech or lending
  
• Solid skills in data visualisation and presenting technical results to non-technical stakeholders
  
• Excellent attention to detail and analytical problem-solving
  

Desirable Skills

• Experience in SME lending environments
  
• Familiarity with Python for data manipulation and modelling
  

Salary & Benefits

• Base salary between £60,000 and £80,000
  
• Annual bonus up to 15%
  
• Stock options
  
• Private medical insurance (Vitality)
  
• Enhanced maternity and paternity leave
  
• Employee Assistance Programme (EAP)
  
• Subsidised lunches and late-working Deliveroo allowance
  
• Free gym in office
  
• Monthly in-office massage therapist
  
• Regular team and company socials, including football league participation
  

How to Apply
To express interest in this opportunity, please submit your CV via the 'Apply' link.