Harnham
Credit Operations Analyst
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Credit Operations Analyst
London
£50,000 to £70,000
This is an opportunity to join a growing, data-led financial services business where you will directly influence how credit decisions are made at scale. The role offers strong exposure across credit, data, and product, with a clear focus on automation and impact.
The Company
They are a fast-growing, technology-driven financial services organisation focused on improving how consumers manage their finances. The business takes a data-first approach, using modern tools and customer insights to inform decision-making. With continued growth and investment in their data capabilities, they are building out a high-performing analytics and credit function.
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The Role
- Work at the intersection of credit risk, data, and decisioning, helping to improve and automate lending processes
- Develop and enhance automated credit decisioning and underwriting logic
- Analyse lending performance and identify opportunities to improve accuracy and efficiency
- Collaborate with product, engineering, and credit teams to reduce manual processes
- Use customer and transactional data to inform lending decisions
- Support improvements in affordability assessment and decision frameworks
- Contribute to building a scalable, data-driven credit operation
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Your Skills & Experience
- Strong commercial experience in credit risk within a lending environment
- Experience working on underwriting, decisioning, or credit policy using data
- Strong SQL skills for data analysis and manipulation
- Ability to translate data insights into practical lending decisions
- Solid understanding of how credit decisions are made
- Exposure to affordability assessment or open banking data is beneficial
What They Offer
- Salary between £50,000 and £70,000
- Share options
- Private medical insurance
- Statutory pension
- Opportunity to join a growing business with strong career development potential
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