Senior Credit Risk Analyst

2w2 weeks ago

YouLend

London, GB · Full-time · £65,000 – £85,000

About this role

We are seeking a Senior Credit Risk Analyst with strong experience in the UK Market, particularly in consumer or SME lending. The Senior Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios.

The role requires utilising statistical techniques and data analysis to assess portfolio-level credit risk. You will identify trends, risks, and opportunities across customer segments using advanced analytics while supporting credit risk policies and underwriting strategies.

You will work with internal teams including operations, product, finance, and compliance to align risk management objectives with business goals. The position offers a data-driven culture with emphasis on speed in a high-quality team environment.

YouLend has been recognised as one of the Best Places to Work and a Top 250 Fintech Worldwide company. High-growth exceeding 100 percent during 2022 and 2023 provides clear outlook for compensation and career progression through share option appreciation.

Requirements

A degree in Finance, Statistics, Economics, Mathematics, or a related field
Proficient in SQL
Experience with credit scoring systems, credit policy and methodologies
Strong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling
Experience with data visualization tools and techniques
Excellent analytical, problem-solving skills and attention to detail

Responsibilities

Utilise statistical techniques and data analysis to assess portfolio-level credit risk
Identify trends, risks, and opportunities across customer segments using advanced analytics
Support the creation of credit risk policies, underwriting strategies, and pricing
Deliver actionable insights and recommendations to optimise risk-adjusted returns
Collaborate with operations, product, finance, and compliance teams to align risk objectives with business goals