Credit Risk Analyst

Summary

Join our team as a skilled Retail Credit Risk Analyst and play a critical role in assessing, monitoring, and optimizing credit risk strategies for personal loans in the UK market. You will develop and implement credit risk models, conduct portfolio analytics, analyze credit data, and work with stakeholders to enhance lending strategies. This role requires utilizing statistical and machine learning techniques, monitoring KPIs, and ensuring compliance with UK regulations. The ideal candidate will have 3+ years of experience in UK credit markets, specifically within personal loans for debt consolidation, and possess strong analytical and communication skills. We offer a comprehensive benefits package including a pension plan, paid time off, work from home options, and training and development opportunities.

Requirements

• 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

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

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