Senior Credit Risk Analyst
Kriya (Formerly MarketFinance)
full-time
Posted on:
Location Type: Hybrid
Location: London • United Kingdom
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Job Level
About the role
- Work closely with our risk leadership team to provide insights to optimise our underwriting and credit decisioning processes.
- Leverage latest data science, machine learning and artificial intelligence to build systematic risk models for our credit products
- Produce portfolio monitoring and investigative analysis to explain trends and answer questions from key stakeholders; making recommendations on how to enhance our products and processes.
- Develop and optimise our pricing models using financial modelling techniques.
- Produce portfolio management information for both internal and external stakeholders and present insight and findings in a clear non-technical way that is easy for stakeholders to digest and understand.
- Conduct rigorous impact analysis on credit strategies, reassessing and optimising how we make credit decisions.
- Support the collections and recovery team with data driven insight and collections strategies.
- Collaborate with other teams in developing our predictive models, product features and processes
Requirements
- Proven experience in decision science, credit risk analytics, data modelling and AI, ideally within financial services or fintech.
- Strong understanding of risk disciplines including unit profitability evaluation, pricing, risk appetite setting, and credit policy design.
- Experience with B2B/SME lending is highly desirable, though not essential.
- Demonstrated ability to influence and collaborate with cross-functional teams and senior stakeholders.
- Strong leadership and people management skills with a track record of building high-performing teams.
- Exceptional analytical and problem-solving abilities with a hands-on approach.
- Excellent communication skills, particularly in translating complex findings into accessible, actionable insights.
- Organised, proactive, and able to manage multiple priorities across different products and development stages.
- Comfortable working in a fast-paced, evolving environment with a start-up / build-it-yourself mindset.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
data sciencemachine learningartificial intelligencerisk modelsfinancial modellingcredit risk analyticsdata modellingimpact analysispredictive modelsportfolio management
Soft Skills
collaborationinfluenceleadershippeople managementanalytical skillsproblem-solvingcommunicationorganisationproactivityadaptability