Credit Risk Analyst

We are seeking a talented Credit Risk Analyst to join our growing credit risk analytics team. This role is specifically designed for professionals with 1-2 years of experience in the lending industry who are looking to develop their career in credit risk analytics and statistical modelling within the banking sector.

Please note: This position is for a Credit Risk Analyst role focused on credit risk assessment and modelling, not financial analysis.

About the Role

As a Credit Risk Analyst, you will contribute to the development and enhancement of our credit risk analytics capabilities. This is an excellent opportunity for someone with a first experience in unsecured lending to get wider exposure and larger remit (affordability and underwriting scorecards and credit strategy, pricing and credit risk management) whilst working with cutting-edge statistical models and data-driven insights.

The role is primarily focuses on the UK market, but you will have the opportunity to work in an pan-european team and get exposure to credit risk analytics across our international markets including Germany, Austria, Norway, Spain, Italy, and other European markets.

Key Responsibilities

• Data Analysis & Insights: Collect, analyse, and interpret data from multiple sources including internal systems and Credit Reference Agencies (CRAs) to identify trends, patterns, and opportunities that inform credit policy, Credit limit and pricing strategies
• Model Development: Contribute to developing and maintaining statistical models, including scorecards and other credit risk assessment tools
• Stakeholder Collaboration: Provide clear, actionable insights and recommendations to stakeholders across the business, supporting informed decision-making and business growth
• Cross-functional Teamwork: Work collaboratively with colleagues in the decision sciences and analytics team, as well as other departments across different locations
• Communication & Reporting: Present complex analytical findings to both technical and non-technical audiences through clear presentations, reports, and data visualisations

Essential Requirements

Education & Experience:

• Bachelor's degree in Mathematics, Statistics, Economics, Physics, Computer Science, Engineering, or related quantitative discipline from a well-regarded university
• 1-2 years of experience in analytics, data analysis, or lending/credit assessment within the financial services sector
• Previous experience working for an unsecured lender (bank, building society, fintech, or similar credit provider)

Technical Skills:

• Strong analytical and problem-solving abilities with excellent attention to detail
• Proficiency in SQL for data extraction, manipulation, and analysis
• Understanding of statistical analysis techniques and data modelling methodologies
• Experience or strong interest in predictive modelling (logistic regression knowledge would be advantageous)

Professional Skills:

• Excellent written and verbal communication skills in English
• Ability to translate complex data into clear, actionable business insights
• Strong presentation skills with experience communicating to diverse audiences
• Proven ability to work effectively in fast-paced environments whilst managing multiple priorities

Desirable Requirements

• Postgraduate qualification in a relevant quantitative field
• Programming experience in Python or R
• Knowledge of credit risk regulations and best practices in the UK market
• Experience with data visualisation tools
• Understanding of machine learning techniques applied to credit risk

What We Offer

• Competitive salary and benefits package
• Opportunity to work with advanced analytics and statistical modelling techniques
• Professional development and training opportunities
• Collaborative, inclusive working environment
• Flexible working arrangements
• Career progression opportunities within our growing analytics function

Application Requirements

Please note: We are unable to provide visa sponsorship for this role. Candidates must have the right to work in the UK without requiring sponsorship.

We are committed to creating an inclusive workplace that reflects the diversity of the communities we serve. We welcome applications from all qualified candidates regardless of age, disability, gender identity, race, religion, sexual orientation, or background.