Senior Credit Risk Analyst | AI-Driven Lending

UpCredit; United Kingdom; On-site; GBP 45,000 - 60,000; Full time

Job summary

UpCredit is seeking a Senior Credit Risk Analyst to develop and monitor credit risk strategies within a digital personal loans business. This role demands strong analytical skills, proficiency in Excel and SQL, and the ability to work with large datasets.

The ideal candidate will support the design of scorecards and automation in underwriting, ensuring compliance with FCA standards while maintaining a focus on customer outcomes. Join us and be a part of the transformation in the UK financial services landscape.

Qualifications

• Experience in credit risk, analytics, or financial services.
• Understanding of unsecured consumer lending, especially personal loans.
• Experience analysing key credit metrics.

Responsibilities

• Design and optimise credit risk strategies.
• Analyse acceptance and conversion rates.
• Perform cohort and vintage analysis.

Skills

Analytical skills

Critical thinking

Excel proficiency

SQL or similar

Experience with large datasets

Effective communication

Commercial awareness

Data-driven mindset

Comfortable in fast-paced environment

Tools

PowerCurve

Provenir

Job description

UpCredit is seeking a Senior Credit Risk Analyst to develop and monitor credit risk strategies within a digital personal loans business. This role demands strong analytical skills, proficiency in Excel and SQL, and the ability to work with large datasets.

The ideal candidate will support the design of scorecards and automation in underwriting, ensuring compliance with FCA standards while maintaining a focus on customer outcomes. Join us and be a part of the transformation in the UK financial services landscape.