Overview
We are seeking a talented Senior Credit Risk Analyst to join our growing credit risk analytics team. This role is designed for professionals with a minimum of 3 years of experience in the lending industry who are looking to develop their career in credit risk analytics and statistical modelling within the banking sector.
About The Role: As a Senior Credit Risk Analyst, you will contribute to the development and enhancement of our credit risk analytics capabilities. This is an excellent opportunity for someone with initial experience in unsecured lending to expand exposure and larger remit (affordability and underwriting scorecards and credit strategy, pricing and credit risk management) whilst working with cutting-edge statistical models and data-driven insights.
You will have the opportunity to work in a pan-European team and gain exposure to credit risk analytics across our international markets including Baltic countries, Germany, Austria and other European markets.
Key Responsibilities
Data Analysis & Insights: Collect, analyse, and interpret data from multiple sources including internal systems and Credit Bureaus to identify trends, patterns, and opportunities that inform credit policy, credit limit and pricing strategies
Model Development: Contribute to developing and maintaining statistical models, including scorecards and other credit risk assessment tools
Stakeholder Collaboration: Provide clear, actionable insights and recommendations to stakeholders across the business, supporting informed decision-making and business growth
Cross-functional Teamwork: Work collaboratively with colleagues in the decision sciences and analytics team, as well as other departments across different locations
Communication & Reporting: Present complex analytical findings to both technical and non-technical audiences through clear presentations, reports, and data visualisations
Essential Requirements
Bachelor's degree in Mathematics, Statistics, Economics, Physics, Computer Science, Engineering, or related quantitative discipline. A Master's degree is preferred.
Minimum of 3 years of experience in analytics, data science, data analysis, or lending/credit assessment within the financial services sector.
Previous experience working for an unsecured lender (bank, fintech, or similar credit provider).
Technical Skills
Strong analytical and problem-solving abilities with excellent attention to detail
Proficiency in SQL for data extraction, manipulation, and analysis
Understanding of statistical analysis techniques and data modelling methodologies
Experience or strong interest in predictive modelling (logistic regression knowledge would be advantageous)
Professional Skills
Excellent written and verbal communication skills in English
Ability to translate complex data into clear, actionable business insights
Strong presentation skills with experience communicating to diverse audiences
Proven ability to work effectively in fast-paced environments whilst managing multiple priorities
Desirable Requirements
Programming experience in Python or R
Experience with data visualisation tools
Understanding of machine learning techniques applied to credit risk
What We Offer
Opportunity to work with advanced analytics and statistical modelling techniques
Professional development and training opportunities
Collaborative, inclusive working environment
Career progression opportunities within our growing analytics function
Private health insurance focused on employee wellbeing
Meal vouchers and flexible compensation plan
Office perks such as snacks and regular company events
Application Requirements
Please note: We are unable to provide visa sponsorship for this role. Candidates must have the right to work in the EU without requiring sponsorship.
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