Senior Credit Risk Analyst

Harnham; London; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A fast-growing fintech firm is seeking a Credit Risk Analyst to contribute to their analytics team. You will leverage your expertise in credit risk analysis and data modelling to shape strategic decisions, work with high-profile partners, and enhance policies and models in a dynamic, collaborative environment.

Benefits

Stock options

Private medical insurance

Enhanced maternity and paternity leave

Employee Assistance Programme

Subsidised lunches

Free gym in office

Monthly in-office massage therapist

Regular team socials

Qualifications

• Degree in Finance, Economics, Statistics, Mathematics or related field required.
• Proficiency in SQL is essential.
• Experience in credit risk analysis preferred.

Responsibilities

• Perform in-depth portfolio-level credit risk analysis using statistical methods.
• Monitor customer segment performance to identify risk trends.
• Collaborate with cross-functional teams to align risk management with strategy.

Skills

SQL

Credit risk concepts

Data visualisation

Problem-solving

Education

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

Tools

Python

Job description

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

£60,000 – £80,000 + up to 15% bonus

London (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
• 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.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Analyst

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