Credit Strategy Analyst

Updraft

Bengaluru

On-site

INR 800,000 - 1,200,000

Full time

14 days+

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Benefits offered by this job

Pension Plan

Paid Time Off

Work From Home

Training & Development

Job summary

A fintech company is seeking a skilled Consumer Credit Risk Strategy Analyst with over 3 years of experience in the UK credit market, specifically in personal loans for debt consolidation. The role involves conducting risk analysis, optimising credit policies, and utilising statistical techniques to support risk assessment. Ideal candidates will demonstrate proficiency in SQL and Python and have strong stakeholder management skills.

Qualifications

3+ years of experience in a credit risk role, preferably within personal loans and debt consolidation in the UK.
Strong understanding of credit scoring models, risk analytics, and lending strategies.
Proficiency in SQL and Python for data analysis and risk modelling.

Responsibilities

Conduct portfolio analytics to assess risk trends, customer behaviour, and loan performance.
Work closely with stakeholders to optimise credit policies and improve lending strategies.
Monitor key performance indicators related to loan approvals, delinquencies, and charge-offs.

Skills

Credit scoring models

Risk analytics

Data analysis

Stakeholder management

Statistical techniques

Machine learning

SQL

Python

Education

Bachelor's or Master's degree in Finance, Statistics, Mathematics, Economics

Job description

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Updraft. Helping you make changes that pay off.

Updraft is an award winning, FCA-authorised, high‑growth fintech based in London. Our vision is to revolutionise the way people spend and think about money, by automating the day to day decisions involved in managing money and mainstream borrowings like credit cards, overdrafts and other loans.

A 360 degree spending view across all your financial accounts (using Open banking)
A free credit report with tips and guidance to help improve your credit score
Native AI‑led personalised financial planning to help users manage money, pay off their debts and improve their credit scores
Intelligent lending products to help reduce cost of credit

We have built scale and are getting well recognised in the UK fintech ecosystem.

800k+ users of the mobile app that has helped users swap c £500 m of costly credit‑card debt for smarter credit, putting hundreds of thousands on a path to better financial health
The product is highly rated by our customers. We are rated 4.8 on Trustpilot, 4.8 on the Play Store, and 4.4 on the iOS Store
We are selected for Technation Future Fifty 2025 – a programme that recognises and supports successful and innovative scale‑ups to IPOs – 30% of UK unicorns have come out of this programme
Updraft once again featured on the Sifted 100 UK startups – among only 25 companies to have made the list over both years 2024 and 2025

We are seeking a skilled Consumer Credit Risk Strategy Analyst with 3+ years of experience in the UK credit markets, specifically within personal loans for debt consolidation. The successful candidate will play a critical role in assessing, monitoring, and optimising credit risk strategies to ensure a balanced approach between risk management and business growth.

Key Responsibilities

Conduct portfolio analytics to assess risk trends, customer behaviour, and loan performance
Analyse credit data, customer profiles, and market trends to enhance underwriting criteria
Work closely with stakeholders to optimise credit policies and improve lending strategies
Utilise statistical and machine learning techniques to support data‑driven risk assessment methodologies
Monitor key performance indicators (KPIs) related to loan approvals, delinquencies, and charge‑offs

Requirements

3+ years of experience in a credit risk role, preferably within personal loans and debt consolidation in the UK
Strong understanding of credit scoring models, risk analytics, and lending strategies
Relevant experience in working on UK credit bureau data and leveraging it for credit risk analysis
Experience or familiarity with end‑to‑end life cycle of a retail loan portfolio
Proficiency in SQL and Python for data analysis and risk modelling
Experience working with decision engines and credit risk platforms
Strong analytical skills with the ability to translate data insights into business decisions
Excellent communication and stakeholder management abilities

Preferred Qualifications

Experience in alternative data usage for credit risk evaluation
Familiarity with Open Banking and fintech lending platforms
Bachelor's or Master's degree in Finance, Statistics, Mathematics, Economics, or a related field

Benefits