Credit Analyst

Your Company: NET Recruit are delighted to be partnering with an innovative and fast-growing credit, analytics and technology business who are seeking a talented Credit Analyst to join their team in a full-time, permanent capacity based in their London office. This organisation has built a strong reputation within the UK consumer lending market, combining cutting-edge technology with advanced analytics to drive responsible lending and sustainable growth. Formed as a specialist spin-out from a highly successful UK consumer lending business, the company operates at the forefront of credit and data-driven decision making. Working closely with a portfolio of established lending businesses, they have created a collaborative “one-team” culture that brings together exceptional engineering, analytics and commercial talent. The successful candidate will join an ambitious and rapidly scaling environment, where they will play a key role in supporting responsible lending strategies, driving innovation and delivering analytical insight to senior stakeholders across the business.Your Roles and Responsibilities: While in this position your duties may include but will not be limited to:

• Supporting the development and maintenance of affordability models, credit risk strategies and financial vulnerability screening criteria
• Analysing customer, market and regulatory data to identify trends, risks and opportunities to improve lending performance
• Assisting in the design and monitoring of credit risk rules and responsible lending policies across consumer lending products
• Producing detailed analytical insight and reporting for senior stakeholders, including executive leadership teams and third-party partners
• Working with structured and unstructured datasets to support strategic business and commercial initiatives
• Exploring innovative technologies and solutions within areas such as Open Banking and Open Finance
• Collaborating closely with cross-functional stakeholders across commercial, credit, technology and operational teams
• Supporting strategic projects aimed at improving both commercial and risk-related KPIs
• Helping maintain the organisation’s position as a leading responsible lending and technology-driven business

What you will need to Apply: The ideal candidate for this role will have previous analytical experience within the UK consumer lending market, with strong exposure to credit risk, acquisitions analytics or related commercial analysis. Applicants should possess a strong quantitative background, alongside the ability to translate complex data into meaningful commercial insight with minimal supervision. Candidates should demonstrate hands-on experience working with credit risk strategies across unsecured lending products such as personal loans, point-of-sale finance, BNPL or revolving credit products including credit cards. Exposure to Credit Reference Agency data and involvement in strategic risk projects would be highly advantageous. Strong technical capabilities are essential for this role, including experience using SAS, SQL, Python or similar coding languages, alongside advanced Microsoft Excel skills. Exposure to Open Banking, AWS Quicksight or assistive AI technologies would also be beneficial. The successful individual will be commercially minded, detail-oriented and highly collaborative, with excellent communication skills and the ability to build effective relationships across all levels of the business. Applicants should ideally hold a degree graded 2:1 or above in a quantitative discipline or possess equivalent demonstrable industry experience.What you will get in Return: For the successful candidate, a highly competitive salary and benefits package will be offered, reflective of experience and expertise. This includes a pension scheme, discretionary annual bonus, life cover, private medical insurance, dental scheme, income protection insurance and enhanced family leave policies.Additional benefits include generous annual leave entitlement increasing with service, Perkbox membership, cycle-to-work scheme and access to wellbeing support services including counselling and GP access. This role offers an excellent opportunity to gain direct exposure to company strategy and product performance within a high-growth environment, alongside regular interaction with senior leadership and C-level executives. The successful candidate will join a collaborative, meritocratic and fast-paced culture where innovation is encouraged, decisions are made quickly, and career development opportunities are significant.To enquire further about this exciting position, please reach out to:Phoebe Jones - Recruitment Partner M: E: