Senior Credit Risk Pricing Analyst

TN United Kingdom; London; On-site; GBP 45,000 - 75,000; Full time

Job summary

An established industry player is seeking a Senior Credit Risk Pricing Analyst to join their dynamic team in London. This role involves developing and managing analytical tools to evaluate credit risk and returns, ensuring effective pricing strategies. The successful candidate will leverage their expertise in SQL and analytical skills to provide actionable insights, support policy development, and collaborate with various teams to align risk management with business goals. This innovative firm offers a comprehensive benefits package and a modern office environment, making it an exciting opportunity for those passionate about finance and analytics.

Benefits

Stock Options

Private Medical Insurance

Enhanced Maternity and Paternity Leave

Free Gym in Office

Subsidised Lunch

Deliveroo Allowance

Monthly Office Masseuse

Team and Company Socials

Football Power League / Squash Club

Qualifications

• Degree in Finance, Statistics, Economics, or Mathematics required.
• Proficiency in SQL and experience in Credit Risk essential.

Responsibilities

• Develop and manage analytical tools for credit risk evaluation.
• Collaborate with internal teams to align risk management objectives.

Skills

SQL

Analytical Skills

Problem-Solving Skills

Financial Modelling

Data Visualization

Python

VBA

Education

Degree in Finance

Degree in Statistics

Degree in Economics

Degree in Mathematics

Tools

Data Analysis Tools

Cash Flow Simulation Software

Risk Management Software

Job description

Social network you want to login/join with:

Senior Credit Risk Pricing Analyst, London

Client:

YouLend

Location:

London, United Kingdom

Job Category:

Finance

EU work permit required:

Yes

Job Reference:

ac481871c0c9

Job Views:

3

Posted:

13.04.2025

Expiry Date:

28.05.2025

Job Description:

About Us

YouLend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.

We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.

The Role

The Senior Credit Risk Pricing Analyst will be reporting into the Pricing and Analytics Team lead and is responsible for developing and managing analytical tools to evaluate and monitor credit risk and returns across portfolios, ensuring effective pricing strategies.

Responsibilities

• Pricing and Credit Risk Analysis: Utilising statistical techniques and data analysis to assess portfolio-level credit risk, returns, and risk aligned pricing.
• Portfolio Monitoring: Identifying trends, risks, and opportunities across customer segments using advanced analytics to ensure portfolio performance is in alignment with risk and return targets.
• Policy and Strategy Development: Supporting the creation of credit risk policies, underwriting strategies, and pricing proposals.
• Data-Driven Insights: Delivering actionable insights and recommendations to optimise risk-adjusted returns, and creating / maintaining monitoring post strategy implementation.
• Stakeholder Collaboration: Working with internal teams, including operations, product, finance, and compliance, to align risk management objectives with business goals.
• Analytical expertise and strong coding skills in SQL are essential.

Requirements

• A degree in Finance, Statistics, Economics, Mathematics, or a related field.
• Proficient in SQL.
• Experience with cash flow simulations and IRR calculations.
• Experience in Credit Risk.
• Understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
• Experience with data visualization tools and techniques.
• Excellent analytical, problem-solving skills and attention to detail.
• Credit Risk and/or Risk Pricing experience.
• Experience in SME lending.
• Python and VBA experience.

We offer a comprehensive benefits package that includes:

• Stock Options
• Private Medical insurance via Vitality
• EAP with Health Assured
• Enhanced Maternity and Paternity Leave
• Modern and sophisticated office space in Central London
• Free Gym in office building in Holborn
• Subsidised Lunch via Feedr
• Deliveroo Allowance if working late in office
• Monthly in office Masseuse
• Team and Company Socials
• Football Power League / Squash Club

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.