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.

THE COMPANY 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.

THE ROLE 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. YOUR SKILLS AND EXPERIENCE 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. THE BENEFITS 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. THE PROCESS 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.

HOW TO APPLY

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