SENIOR CREDIT STRATEGY ANALYST
LONDON | £60,000 - £75,000 + BONUS
This is an exciting opportunity to join an innovative fintech that is redefining how consumer lending operates through data, technology, and customer-centric decision-making. You'll play a key role in shaping credit strategy, influencing lending decisions, and driving business growth within a highly analytical and fast-moving environment.

THE COMPANY
They are a market-leading fintech that leverages advanced analytics, modern technology, and rich customer data to deliver smarter financial products. Innovation sits at the heart of their business, with data-driven decision-making embedded across every function. Their collaborative culture brings together experts across analytics, product, engineering, and data science to solve complex commercial challenges and deliver exceptional customer outcomes. As they continue to grow, they are investing heavily in their credit risk and strategy capabilities.

THE ROLE
Optimise credit strategies and decisioning frameworks across lending products
Develop and implement credit policy enhancements to improve portfolio performance
Analyse portfolio trends and identify opportunities to drive growth and improve risk outcomes
Build forecasting, pricing, and profitability models to support strategic decision-making
Apply advanced analytical techniques to understand customer behaviour and lending performance
Explore innovative data sources, including open banking data, to strengthen credit risk strategies
Partner with product, engineering, data science, finance, and fraud teams on key business initiatives
Present insights and recommendations to senior stakeholders
Lead analytical projects that deliver measurable commercial impact

YOUR SKILLS & EXPERIENCE
Strong commercial experience within credit risk analytics in a consumer lending environment
Strong SQL and/or Python skills with experience analysing large and complex datasets
Experience developing, implementing, or optimising credit risk strategies and policies
Excellent analytical and problem-solving skills
Experience translating complex analysis into clear commercial recommendations
Strong stakeholder management and communication skills
Ability to work effectively within cross-functional teams
Passion for using data to drive innovation and business performance

WHAT THEY OFFER
£60,000 - £75,000 base salary depending on experience
Annual bonus scheme
Exposure to cutting-edge analytics tools, data, and technology
Significant ownership of high-impact projects
Opportunity to work within one of the UK's most innovative fintech environments
Clear career progression within a growing credit risk and analytics function
Collaborative culture focused on learning, development, and knowledge sharing

HOW TO APPLY
Please register your interest by sending your CV through the Apply link.