Lead the monthly monitoring of credit models and portfolio performance to ensure outcomes align with the risk appetite.
Own the strategic analyses of credit thresholds, providing evidence-based recommendations to expand or tighten lending.
Re-architect and maintain risk and performance dashboards to provide stakeholders with real-time visibility into portfolio health.
Identify and monitor shifting fraud behaviours to ensure the platform remains secure as it scales.
Collaborate on high-impact projects, such as launching invoice finance expansions and cross-sell initiatives.
Analyse seller profitability by segment to identify the most successful cohorts and optimise the lending strategy.

Requirements

Analytical background, demonstrated through academic qualifications in a STEM field (e.g., Mathematics, Statistics, Engineering) or equivalent professional experience.
Proven commercial experience in credit risk or lending strategy, ideally within fintech or SME lending.
Proficiency in SQL and Python for data manipulation and ad-hoc analyses.
Experience using major data visualisation tools (such as Looker, Tableau, or PowerBI) to translate data into actionable insights.
Bonus: Experience with invoice finance or B2B payments.
Experience working in a cross-functional risk or product team.
Experience working with machine learning models.

Benefits

Medical insurance from Vitality, including discounted gym membership
A private GP service (separate from Vitality) for you, your partner, and your dependents.
25 days’ holiday, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave
A one-month, fully paid sabbatical after four years.
Instant access to emotional and mental health support.
3% Pension contributions and share options.
Generous parental leave and a nursery tax benefit scheme to help you save money.
Cycle-to-work scheme and electric car scheme.
Two company retreats a year, we’ve been to France, Italy, Spain, and further afield.
A learning and development budget for everyone.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

SQLPythondata manipulationdata analysisdata visualisationmachine learning modelscredit risklending strategystatistical analysisportfolio performance

Soft Skills

analytical skillscollaborationevidence-based decision makingproblem solvingcommunication