Risk Analyst

Our mission is to become the financial and revenue operating system for primary care practices .

We help dental and veterinary clinics manage how money flows into the practice - from patient access, to payments, memberships, financing, insurance, and reporting - in one coherent system.

Rather than treating payments, plans, and finance as separate tools, we combine them into a single operating layer that reflects how practices actually run their business.

There are three structural shifts reshaping primary care right now:

1. Patient access is moving beyond opening hours . Clinics are under pressure to be available when patients want to engage, not just when the front desk is staffed. Voice and chat interfaces are becoming the new front door to care.

1. Revenue is becoming structured, not ad-hoc. Memberships, financing, and insurance are increasingly used to smooth cashflow, improve access, and increase predictability — particularly as NHS capacity declines and private care expands.

1. Practices need better financial insight, not more software. Owners and managers want to understand whether their pricing, plans, and utilisation make economic sense — without becoming analysts or relying on opaque tools.

Today, we support over 6,000 dental practices across the UK. 100 more join our platform every month. Tabeo is the dominant market leader for patient finance and seeks to reinvent memberships next. Beyond payments, we are launching a voice/chat AI solution that complements our existing products.

Tabeo is profitable. We seek to grow revenue by 50-60% per year and exceed £25 million ARR in 2028.

We believe in a remote first approach to work and equip teams with perks and tools so they can thrive. However, we all come together 2x per year for our amazing ‘Team Weeks’. We previously met in Dubai, Lisbon, London and Athens. Next is a surprise!

About the Role

We are looking for an analyst to join our team with a focus on credit risk. The primary focus will be to manage and optimise credit risk and fraud strategies for our lending operations. Risk in Tabeo means borrower and counterparty risk as both The analysis will drive improvements to credit assessments. The role will sit in a 4 person data team covering all products in the business so the work will be varied beyond risk.

You will be expected to own performance and projects and bring new ideas. Your time will be split between task exploration, coding and presenting. It’s important to be able to discern what is important in the data you have and to explain compellingly to others. We believe that a good analyst automates repeating tasks in order to free up time for the high impact projects.

Requirements

• Happy and willing to communicate, because data means nothing until it’s put into action

• Bachelor’s degree, preferably in mathematics, statistics, or a related field.

• At least 4 years of experience in credit risk analysis, with a focus on consumer lending.

• Expertise in underwriting performance and model functions

• Proficiency in building models using statistical tools (e.g., Python, R, SAS, or similar).

• Strong SQL skills for data extraction and manipulation.

• Ability to work independently and take ownership of complex projects.

• Familiarity with tools such as BigQuery, DBT, and open banking platforms is an advantage.

• Experience in counterparty risk analysis is a plus.

Skills and Specifications

• Excellent communication and writing skills.

• Fluent in English.

• Organised, meticulous, and adept at time management.

• Capable of explaining complex analyses to non-technical stakeholders.

• Ability to deliver under tight deadlines.

• Strong commercial acumen, with the ability to align analysis with business goals.

• Flexibility and adaptability to thrive in a fast-paced, high-growth environment.

Benefits

Competitive salary

Remote-first working

£2,000 annual training and development budget

Fully equipped home-office setup

AXA Business Health private medical cover (UK), including dental, optical, life assurance, wellbeing support and gym discounts

Electric car scheme

24 days’ annual leave plus birthday off

Enhanced parental leave

Fertility treatment leave (up to 5 days per year)

Contributing pension scheme (UK)

Company trips, offsites, and team get-togethers we actually look forward to!

We are considering applicants in the UK or fully remote from anywhere GMT +/- 3.