Credit Risk Analyst

We are seeking a skilled Retail Credit Risk Analyst with 3+ years of experience in the UK credit markets, specifically within personal loans for debt consolidation. The successful candidate will play a critical role in assessing, monitoring, and optimising credit risk strategies to ensure a balanced approach between risk management and business growth.

Key Responsibilities:

• Develop, implement, and monitor credit risk models and decision frameworks for personal loan portfolios.
• Conduct portfolio analytics to assess risk trends, customer behavior, and loan performance.
• Analyze credit data, customer profiles, and market trends to enhance underwriting criteria.
• Work closely with stakeholders to optimize credit policies and improve lending strategies.
• Utilize statistical and machine learning techniques to support data-driven risk assessment methodologies.
• Monitor key performance indicators (KPIs) related to loan approvals, delinquencies, and charge-offs.
• Ensure compliance with UK regulatory requirements, including FCA guidelines and GDPR.
• Support stress testing, scenario analysis, and loss forecasting.

Requirements

Required Skills & Experience:

• 3+ years of experience in a credit risk role, preferably within personal loans and debt consolidation in the UK.
• Strong understanding of credit scoring models, risk analytics, and lending strategies.
• Relevant experience in working on UK credit bureau data and leveraging it for credit risk analysis.
• Experience or familiarity with end-to-end life cycle of a retail loan portfolio.
• Proficiency in SQL, Python, SAS, or R for data analysis and risk modeling.
• Experience working with decision engines and credit risk platforms.
• Knowledge of UK credit regulations, including FCA and PRA requirements.
• Strong analytical skills with the ability to translate data insights into business decisions.
• Excellent communication and stakeholder management abilities.

Preferred Qualifications:

• Experience in alternative data usage for credit risk evaluation.

• Exposure to machine learning techniques in credit risk modeling.
• Familiarity with Open Banking and fintech lending platforms.
• Bachelor’s or Master’s degree in Finance, Statistics, Mathematics, Economics, or a related field.

Benefits

• Pension Plan
• Paid Time Off
• Work From Home
• Training & Development