Senior Credit Risk Analyst

Senior Credit Risk Analyst
£60,000 - £80,000 + up to 15% bonus
London (Hybrid Working)

An exciting opportunity has arisen at a fast-growing fintech firm specialising in embedded finance. This role offers the chance to work with high-profile global partners and play a key part in shaping credit risk strategy through data-driven insights and advanced analytics.

This award-winning fintech operates across the UK, EU, and US, empowering tech firms, payment platforms, and e-commerce leaders to offer flexible, branded financing to their merchant bases through a cutting-edge software.

• Perform in-depth portfolio-level credit risk analysis using statistical methods and data modelling

• Monitor and evaluate customer segment performance to identify risk trends and opportunities

• Contribute to the design and enhancement of credit risk policies, pricing models, and underwriting strategies

• Generate actionable, data-led insights to support optimisation of risk-adjusted returns

• Collaborate cross-functionally with product, finance, compliance, and operations teams to align risk management with business strategy

• Degree in Finance, Economics, Statistics, Mathematics or related field

• Proficiency in SQL

• Strong knowledge of credit risk concepts and metrics (PD, LGD, EAD)

• Demonstrated experience in credit risk analysis, ideally within fintech or lending

• Solid skills in data visualisation and presenting technical results to non-technical stakeholders

• Excellent attention to detail and analytical problem-solving

• Experience in SME lending environments

• Familiarity with Python for data manipulation and modelling

• Base salary between £60,000 and £80,000

• Annual bonus up to 15%

• Stock options

• Private medical insurance (Vitality)

• Enhanced maternity and paternity leave

• Employee Assistance Programme (EAP)

• Subsidised lunches and late-working Deliveroo allowance

• Free gym in office

• Monthly in-office massage therapist

• Regular team and company socials, including football league participation

To express interest in this opportunity, please submit your CV via the 'Apply' link.