Harnham
Senior Credit Risk Analyst
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Senior Credit Risk Analyst
Location: Hertfordshire (2 days)
Salary: £50,000 - £60,000
This is an excellent opportunity for a Senior Credit Risk Analyst to join a growing credit risk function where you can make a genuine impact across customer acquisition, credit strategy, portfolio performance, and risk optimisation. The role offers broad exposure, significant ownership, and the chance to help shape the future direction of a developing team.
The Company
They are a well-established financial services organisation operating within a regulated lending environment. Combining the stability of a larger group with the agility of a specialist team, they offer a collaborative and supportive culture where employees can make a visible impact. Following recent growth within their Credit Risk function, they are continuing to invest in data-driven decision making and risk strategy. This role offers the opportunity to contribute to key business decisions while developing your expertise across multiple areas of credit risk.
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The Role
- Optimise customer acquisition and onboarding strategies using bureau data and credit risk insights
- Enhance and refine credit decisioning and affordability assessments
- Implement and improve scorecard-driven credit strategies
- Monitor portfolio performance and identify opportunities to improve risk outcomes
- Support IFRS9 and broader credit risk activities
- Produce management information, reporting, and analytical recommendations for senior stakeholders
- Collaborate with teams across credit, operations, compliance, and risk
- Lead analytical projects designed to improve customer outcomes and portfolio performance
Your Skills & Experience
- Strong commercial experience within Credit Risk Analytics or Credit Strategy
- Experience working on acquisition, onboarding, or customer decisioning strategies
- Hands-on experience using credit bureau data to support lending decisions
- Exposure to credit scorecards and strategy implementation
- Strong SQL skills
- Experience analysing large datasets and translating findings into business recommendations
- Excellent communication and stakeholder management skills
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Desirable:
- SAS, Python, or Power BI experience
- Exposure to IFRS9, affordability, or portfolio analytics
What They Offer
- Salary of £50,000 - £60,000
- Hybrid working with 2 days per week in the office
- Broad exposure across multiple areas of credit risk
- Opportunity to develop a specialist area of expertise while maintaining varied responsibilities
- Clear career progression within a growing credit risk function
- Supportive and collaborative team environment
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