Senior Credit Risk Analyst

SENIOR CREDIT RISK ANALYST

UP TO £60,000-£75,000 PLUS BONUS

LONDON

HYBRID WORKING (2-3 DAYS PER WEEK IN-OFFICE)

Are you looking for an exciting opportunity to join a high-growth, data-led fintech where you can take real ownership of credit strategy and drive commercial impact? This role offers the chance to lead on key lending decisions, working across products to optimise performance through advanced analytics and strategic insight.

THE COMPANY

This organisation is a well-established UK-based digital bank and lending provider, known for its strong growth, customer-centric approach, and innovative use of data. With a broad suite of lending products, they invest heavily in advanced analytics, technology, and data science to stay ahead in the market.

THE ROLE

This role sits within a central credit strategy function, supporting key lending products through data-driven decision-making. You will work on building and optimising credit strategies, influencing business performance, and collaborating cross-functionally.

Specifically, you can expect to be involved in the following:

• Designing and optimising credit strategies and decisioning processes
• Analysing large datasets to identify trends and opportunities for performance improvement
• Developing models and forecasts to support lending, pricing, and commercial decisions
• Partnering with product, data science, and engineering teams to implement strategies
• Monitoring portfolio performance and recommending data-led enhancements

SKILLS AND EXPERIENCE

The successful Senior Credit Risk Analyst will have the following skills and experience:

• Experience in credit risk analytics within consumer lending
• Strong SQL and/or Python skills for data manipulation and analysis
• Ability to interpret data and communicate insights clearly to stakeholders
• Experience working with credit strategy, policy, or decisioning frameworks
• Strong problem-solving skills with a structured and analytical approach

BENEFITS

The successful Senior Credit Risk Analyst will receive a salary up to £60,000-£75,000 as well as a comprehensive benefits package.