Credit Risk Analyst

Tabeo is building the ‘Shopify’ for private healthcare. Our platform simplifies payment and marketing services for local clinical providers including dentists, audiologists and opticians. Customers benefit from a quicker, easier access to relevant payment options in one unified check out flow. In addition, they receive access to i) custom landing pages, ii) email & text campaign builders and iii) dashboard to manage leads.

Today, over 8,000 dentists across the UK use Tabeo. 200 more join our platform every month. Tabeo is the dominant market leader for patient finance and seeks to be the same for cards and capitation plans. Sector specific features and super competitive pricing will help us upsell the service. In parallel, we want to capture more market share in new verticals (hearing and vision care). 99% of payments rely on cards so you build/own the data highway to simplify marketing flows for our Customers.

The business is profitable and we plan to grow revenues by over 100% per year in the next 5 years.

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

About the Role

We are looking for a Credit Risk Analyst to join our team and play a critical role in managing and optimising credit risk strategies for our lending operations. The successful candidate will focus on analysing and improving consumer underwriting performance in unsecured lending while also monitoring counterparty risk. The analysis will drive improvements to credit assessments.

As part of our data and risk team, you’ll be responsible for providing actionable insights to shape credit decisioning, monitoring macro risk trends, and supporting the wider business with expert analysis. You will work closely with stakeholders across the company to ensure data-driven decisions and continuously improve risk strategies.

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.

We are considering applicants for our London office or fully remote from anywhere GMT +/- 3.

Requirements

• 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 analysing underwriting performance and contributing to model refinements.
• Proficiency in building models using statistical tools (e.g., Python, R, SAS, or similar).
• Strong SQL skills for data extraction and manipulation.
• Familiarity with tools such as BigQuery, DBT, and open banking platforms is an advantage.
• Experience in counterparty risk analysis is a plus.
• Ability to work independently and take ownership of complex projects.

Benefits

• Competitive salary.
• Employee share options.
• £2,000 annual CPD package to be used at your discretion.
• Full kit for home office.
• Health insurance and life assurance (including dental and optical).
• Company trips.
• 24 days holiday annually, plus a day off on your birthday.
• Extended parental leave.
• Contributing pension scheme.