Senior Credit Risk Analyst

Senior Credit Risk Analyst

£70,000-£80,000 + equityUK-based / Fully remote (occasional optional co‑working meetups)

Harnham are working with a high‑growth fintech scale‑up that provides risk analytics and decisioning, helping their customers reduce exposure, unlock growth and scale into new markets.

THE COMPANY

• A high‑growth fintech scale‑up building advanced analytics and decisioning solutions for the wider payments and financial services ecosystem.
• The business combines data science, automation and modern engineering to help clients improve risk visibility, streamline onboarding processes and enhance operational efficiency.
• With strong investment backing and a globally distributed team, they are continuing to expand their product suite and strengthen their UK analytics capability.

THE ROLE

You will join a growing analytics and risk team, working on a blend of credit risk, fraud analytics and machine learning projects that sit at the heart of the company’s product offering. This is a hands‑on role with impact on strategy, pricing, on‑boarding and merchant monitoring.

Specifically, you can expect to be involved in:

• Developing analytical solutions to optimise credit risk, fraud strategies, pricing and limits.
• Building and improving machine learning models across risk and decisioning use cases.
• Analysing large merchant datasets to support portfolio monitoring and partner reporting.
• Working with commercial and technical teams to shape decisioning engines and new product capabilities.
• Supporting bespoke partner engagements, including risk assessments and insight generation.

YOUR SKILLS AND EXPERIENCE

• Experience in credit risk and/or fraud analytics within financial services or fintech.
• Strong capability in Python and/or SQL for analytics and model development.
• Background in data‑driven strategy, modelling or decisioning (circa 2‑3+ years’ experience).
• Comfortable working in a fast‑paced, product‑focused environment.
• Ability to communicate insights clearly to technical and non‑technical stakeholders.

THE BENEFITS

• Fully remote working.
• Private medical cover (including family cover).
• Regular global company meetups.
• Pension scheme and strong long‑term business stability.

THE PROCESS

• Initial 30‑minute introduction and CV walk through.
• Technical case study (SQL and problem‑solving).
• Interviews with senior stakeholders.
• Final HR stage.

HOW TO APPLY

Please register your interest via the apply link on this page.

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