Credit Risk Analyst

Summary

Join Tabeo, the leading platform for patient finance in the UK healthcare sector, as a Credit Risk Analyst. You will play a crucial role in managing and optimizing credit risk strategies for our lending operations, focusing on analyzing and improving consumer underwriting performance in unsecured lending and monitoring counterparty risk. Your analysis will drive improvements to credit assessments and inform data-driven decisions. You will collaborate with stakeholders across the company and contribute to continuously improving risk strategies. We offer a remote-first work environment with opportunities for team collaboration and travel, along with a competitive salary and benefits package.

Requirements

• Excellent communication and writing skills
• Fluent in English
• Organized, 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
• 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
• Ability to work independently and take ownership of complex projects

Responsibilities

• Manage and optimize credit risk strategies for lending operations
• Analyze and improve consumer underwriting performance in unsecured lending
• Monitor counterparty risk
• Provide actionable insights to shape credit decisioning
• Monitor macro risk trends
• Support the wider business with expert analysis
• Work closely with stakeholders to ensure data-driven decisions and continuously improve risk strategies

Preferred Qualifications

• Familiarity with tools such as BigQuery, DBT, and open banking platforms
• Experience in counterparty risk analysis

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