Senior Credit Risk Analyst in London

Hybrid in London·Added 12 days ago (last checked 23 Oct)

Agency

Harnham

184 open roles

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Our summary

Salary: £55,000 - £70,000 a year
About £3,540 - £4,260 a month after tax.
Work mode: Hybrid, London
Contract: Permanent
Experience: Senior level

Skills

Nice to have

Harnham is hiring for this role in several places. This vacancy is in London.

Pay & benefits

What you'll get

£55,000- £70,000
Performance-related bonus
Equity participation scheme
Private healthcare coverage
Hybrid working model with flexibility to work remotely on selected days
High-impact role with significant ownership and exposure to senior leadership
Opportunity to work alongside highly skilled analytics, product, and technology teams
Clear progression opportunities within a growing analytics and risk function

The role

As a Senior Credit Risk Analyst, you will play a key role in shaping credit card strategy and driving portfolio performance through data-led insights.
Defining and optimising credit risk strategies across customer acquisition and portfolio management
Using Python and SQL to analyse large datasets and uncover actionable insights
Developing recommendations on credit decisioning, lending limits, pricing, and portfolio performance
Monitoring the effectiveness of implemented strategies and identifying opportunities for continuous improvement
Supporting forecasting activities and contributing to risk model performance assessment
Partnering with cross-functional teams to implement strategies and deliver measurable business impact
Evaluating external market conditions and economic trends to inform credit risk decisions

What you'll do

This is an excellent opportunity for a Senior Credit Risk Analyst to join a high-growth fintech business where data-driven decision making sits at the heart of the organisation. You'll have the autonomy to shape credit strategy, influence commercial outcomes, and work closely with senior stakeholders in a fast-paced environment that values innovation and ownership.

THE ROLE

£55,000-£70,000

YOUR SKILLS AND EXPERIENCE

Strong commercial experience in credit risk analytics within credit cards or consumer lending
Advanced coding capability using SQL and ideally Python on a daily basis
Experience developing and implementing credit risk strategies
Strong analytical and problem-solving skills with the ability to translate data into business outcomes
Experience working with large datasets and generating insights that influence decision making
Confident communicating findings and recommendations to both technical and non-technical stakeholders
A proactive mindset with a willingness to challenge assumptions and improve existing processes

Hiring process

Please register your interest by sending your CV to Rachael Lewis through the 'Apply' link

About Harnham

Industry: Staffing and Recruiting

In their own words

About the company & team

They are a successful and rapidly scaling consumer lending business that is transforming the way financial products are delivered. Using advanced analytics, technology, and automation, they have built a customer-focused proposition that challenges traditional approaches within the financial services sector.
With a strong track record of growth and profitability, they continue to invest heavily in data, machine learning, and analytics capabilities. Their collaborative culture encourages ownership, continuous improvement, and the freedom to challenge existing thinking.

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