Senior Credit Risk Analyst

JR United Kingdom; Slough; On-site; GBP 80,000 - 100,000; Full time

Job summary

A fast-growing fintech lender in London is seeking a Senior Credit Risk Analyst. You will shape credit strategy and risk analytics for the German lending market, leading analysis and policy development. The ideal candidate will have strong experience in credit risk, advanced SQL skills, and a deep understanding of German credit practices. Join a dynamic company offering great benefits, bonuses, and stock options.

Benefits

Great benefits

Bonus

Stock options

Modern office in Central London

Qualifications

• Strong experience in credit risk within SME or consumer lending.
• Deep understanding of German credit risk practices and regulation.
• Advanced SQL skills and comfort working with large datasets.

Responsibilities

• Lead credit risk analysis and policy development for the German lending market.
• Build and maintain credit scoring models and risk frameworks.
• Work closely with data, product, and commercial teams to deliver strategies.
• Monitor portfolio performance and recommend optimisation strategies.
• Design analytical tools and dashboards to enhance credit decisioning.

Skills

Credit risk analysis

Understanding of German credit risk practices and regulation

SQL skills

Analytical mindset

Communication skills

Python

Job description

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? Location: London (Hybrid)

We're hiring a Senior Credit Risk Analyst to join a high-growth fintech lender expanding rapidly across the UK, EU, and US. This role will be instrumental in shaping credit strategy and risk analytics across European portfolios, with a specific focus on the German SME or consumer lending market.

? What You’ll Be Doing:

• Leading credit risk analysis and policy development for the German lending market
• Building and maintaining credit scoring models and risk frameworks (PD, LGD, EAD)
• Working closely with data, product, and commercial teams to deliver data-driven strategies
• Monitoring portfolio performance and recommending optimisation strategies
• Designing analytical tools and dashboards to enhance credit decisioning

What We're Looking For:

• Strong experience in credit risk within SME or consumer lending
• Deep understanding of German credit risk practices and regulation
• Advanced SQL skills; comfort working with large datasets
• Analytical mindset and strong communication skills
• Bonus: experience with Python, credit scoring systems, or statistical modelling

? Why Apply:

• Join a dynamic, fast-growing fintech with international scale
• Ownership of high-impact credit initiatives
• Great benefits, bonus, stock options, and a modern Central London office