Senior Credit Risk Analyst

We are seeking a talented Senior Credit Risk Analyst to join our growing credit risk analytics team. This role is specifically designed for professionals with 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.

Please note: This position is for a Senior Credit Risk Analyst role focused on credit risk assessment and modelling, not financial analysis.

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 a first experience in unsecured lending to get wider 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 an pan-European team and get 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

Education & Experience:

• 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)
• Knowledge of R or Python will be considered a strong advantage

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

• Competitive salary and benefits package
• Opportunity to work with advanced analytics and statistical modelling techniques
• Professional development and training opportunities
• Collaborative, inclusive working environment
• Flexible working arrangements
• Career progression opportunities within our growing analytics function

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.