Senior Credit Analyst

Overview

In this role you will influence credit strategy and portfolio performance in UK or US markets. You join a collaborative, fast-moving team shaping data-driven decisions to optimise who and how much to lend, with measurable impact on portfolio outcomes. You’ll build and use models and analytics to forecast returns and guide lending, while working across product, engineering and operations. This is an opportunity to scale a leading fintech and contribute to responsible, growth-driven lending.

Pay / Benefits

• equity
• hybrid work schedule
• private health insurance
• competitive compensation
• in-person collaboration days in London
• well-being support

Responsibilities

• Optimise credit decisioning: select who to lend to, how much, and at what rate
• Assess and adapt to external economic conditions
• Develop and own models forecasting returns for investor reporting
• Define and refine credit strategies aligned with portfolio goals
• Extract insights from data using Python and SQL to answer key business questions
• Collaborate with product, engineering, data, and operations to implement strategies
• Monitor outcomes and continuously identify improvement areas

Key requirements

• Daily coding experience with Python and/or SQL
• Proven experience in credit risk strategy, ideally in credit card lending
• Strategic mindset translating complex data into actionable decisions
• Focus on delivering results aligned with commercial and customer needs
• Collaborative, open approach and willingness to challenge assumptions

• collaborative
• open mindset
• problem-solving
• Python
• SQL
• credit risk modeling

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