Credit Risk Analyst

Credit Risk Analyst

£45,000-£50,000

London + hybrid working (3-4 days per week in the office)

Harnham are working with a fast growing UK lender in the secured and unsecured lending space, hiring a Credit Risk Analyst to support their next phase of growth. This is a great opportunity for an early career analyst to join a business launching new products and scaling rapidly.

• A high growth UK lending scale‑up offering innovative consumer credit products.
• Recently reached profitability and now entering a major expansion phase, including the launch of a new unsecured loan product.
• Operates in a fast paced, low bureaucracy environment where analysts can make a real impact.

This role sits within a growing credit risk function and will focus on shaping acquisition strategies, underwriting policy and supporting the launch of new lending products. You'll work across a broad variety of projects within credit risk, with the opportunity to develop modelling and decisioning skills.

Specifically, you can expect to be involved in:

• Developing and optimising credit strategies for new customer acquisition.
• Working on origination, scoring cut‑offs and accept/decline policies.
• Enhancing and maintaining decision engine logic.
• Contributing to credit modelling and wider analytics where appropriate.
• Using data to support improvements across the full credit life cycle.

• 1-2 years' experience in credit risk, financial services analytics, or similar data‑driven environments.
• Experience working with customer or credit data to generate insight.
  
  Familiarity with credit strategy, policy, scoring, MI or portfolio analytics.
• Strong SQL skills (essential).
• Python and data visualisation tools beneficial.

• Opportunity to have real influence in a small, high growth team.
• Strong progression potential with clear internal development pathways.
• Exposure to a wide range of credit products and analytics projects.
• Fast‑moving environment with the ability to implement change quickly.

• Initial 30‑minute interview with HR.
• 30‑minute interview with a senior member of the credit team.
• Final in‑person stage including a short case‑study discussion and meeting with senior leadership.

Please register your interest via the apply link on this page.