Senior Credit Risk Analyst

Harnham; London; On-site; GBP 60,000 - 70,000; Full time

Job summary

A leading UK bank is seeking a Senior Credit Risk Analyst to enhance their portfolio credit risk team. This role involves independent evaluations of credit losses, collaboration with cross-functional teams, and providing insights to support strategic decisions. Candidates should have over 3 years of credit risk experience and proficiency in SAS and SQL.

Benefits

28 days + bank holidays

Life assurance

Access to private medical insurance

Qualifications

• 3+ years of experience in credit risk.
• Experience in Capital or Impairment requirements and Stress Testing.

Responsibilities

• Refine the framework for independent reviews of provision adequacy.
• Lead evaluation of Expected Credit Losses (ECL).
• Perform horizon scanning for emerging risks.

Skills

Credit risk experience

SAS

SQL

Knowledge of Credit Risk Lifecycle

Job description

1 day ago Be among the first 25 applicants

This range is provided by Harnham. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

Direct message the job poster from Harnham

Building Credit Risk, Fraud,and Pricing Analytics Teams in Lending and Insurance I The Talent Driving The Data and AI Revolution

SENIOR CREDIT RISK ANALYST

LONDON

This is an exciting new opportunity to take on a core role within the portfolio credit risk team working across stress testing and working closely with senior stakeholders.

THE COMPANY

The company is a UK listed bank supporting underserved segments of the mortgage market with over 150 years heritage and is a FTSE 250 bank. They deliver specialist lending and retail savings through industry leading brands.

THE ROLE

You can expect to be involved in the following day-to-day:

• Refine and strengthen the existing framework for conducting independent, top-down reviews of provision adequacy, evaluating the effectiveness of the Group’s IFRS 9 methodology in capturing risks across diverse business segments.
• Lead the independent evaluation of the bank’s Expected Credit Losses (ECL), integrating a broad range of external risk factors and delivering actionable analysis to support strategic decisions aligned with financial performance targets.
• Perform horizon scanning to identify emerging or overlooked risks—whether portfolio-specific or macroeconomic—that may not be fully reflected in the current IFRS 9 modelling, potentially affecting profitability or long-term viability.
• Contribute to the stress testing team by supporting insights from provision adequacy reviews to enhance the realism and relevance of stressed scenarios.
• Collaborate with cross-functional teams, including Finance and Solvency Risk, offering expert-level credit risk analysis and insights to inform broader business decisions.

YOUR SKILLS AND EXPERIENCE

• 3 + years of experience.
• Credit risk experience in Capital or Impairment requirements and Stress Testing.
• Knowledge across the end-to-end Credit Risk Lifecycle.
• SAS/SQL knowledge is essential.

THE BENEFITS

• A salary of up to £70,000.
• 15% bonus.
• 28 days + bank holidays.
• Life assurance.
• Access to private medical insurance and medical cash plan.

HOW TO APPLY

Please register your interest by sending your CV to Gaby Adamis via the Apply link on this page.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Analyst

• Industries

  Banking and Financial Services

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