Credit Risk Analyst

Credit Risk Analyst | High-Growth Fintech | Waterloo (Hybrid)

Location: London Waterloo (3 Days In-Office / 2 Days Remote)

Are you a talented Analyst currently feeling like a "cog in the machine" at a major bank or large financial institution? Do you have the technical skills to crunch the numbers but the commercial spark to tell the story behind them?

We are a fast-growing, innovative UK lender backed by a powerhouse technology group. We aren’t just another fintech. We are at the leading edge of embedded finance, using machine learning and Open Banking to reshape the lending landscape.

We are looking for a Credit Risk Analyst to join a lean, high-performing team where your work won’t just be a line on a spreadsheet it will directly influence the C-suite and the future of our portfolio.

This is a "resilience hire" designed for someone who wants true end-to-end ownership. You will move away from siloed tasks and gain a holistic view of how a lending business actually operates.

• Strategic Ownership: Manage analytical projects from problem definition and data manipulation to delivering actionable insights directly to senior stakeholders.
• Responsible Lending: Conduct affordability assessments and ensure all decisions align with the UK regulatory environment and internal guidelines.
• Data Mastery: Use SAS and Advanced Excel to analyse data products, liaise with Credit Reference Agencies, and inform the broader credit strategy.
• Collaborative Innovation: Work within a flat structure where pragmatic, real-world solutions are valued over "theoretical data dumping."

We are targeting "unique thinkers" who are ready to take the next step in their career.

• The
  
  Experience:
  
  2–4 years in Credit Risk, Marketing Analytics, or Product Analytics, essentially any commercial role heavily involved with numbers.
• Sector Knowledge: you must have experience in unsecured lending or credit cards within the UK market.
• The Toolkit: Advanced Excel is essential; experience with SAS is highly preferred.
• The "Storyteller" Factor: You can distill complex data into two or three key highlights for senior leaders. You understand the "so what" behind the data.
• The Mindset: You are proactive, humble, and pragmatic. You aren’t afraid to ask for support when needed but are eager to take the lead on your own projects.

• High Visibility: You’ll work directly with the Head of Credit Risk in a flat team structure where great ideas are implemented quickly.
• Modern Working: We offer a market-leading hybrid balance (3 days in our Waterloo office, 2 days remote) in a vibrant, collaborative environment.
• Purpose-Driven: Be part of a business committed to responsible lending and high-quality customer outcomes.