Updraft

Credit Risk Analyst

Updraft

full-time

Posted on:

Origin:  • 🇮🇳 India

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Job Level

Mid-LevelSenior

Tech Stack

iOSPythonSQL

About the role

  • Updraft. Helping you make changes that pay off.
  • A 360 degree spending view across all your financial accounts (using Open banking)
  • A free credit report with tips and guidance to help improve your credit score
  • Native AI led personalised financial planning to help users manage money, pay off their debts and improve their credit scores.
  • Intelligent lending products to help reduce cost of credit
  • 800k+ users of the mobile app that has helped users swap c £500 m of costly credit-card debt for smarter credit, putting hundreds of thousands on a path to better financial health
  • The product is highly rated by our customers. We are rated 4.8 on Trustpilot, 4.8 on the Play Store, and 4.4 on the iOS Store.
  • We are selected for Technation Future Fifty 2025 – a program that recognizes and supports successful and innovative scaleups to IPOs - 30% of UK unicorns have come out of this program.
  • Updraft once again featured on the Sifted 100 UK startups - among only 25 companies to have made the list over both years 2024 and 2025.
  • We are seeking a skilled Retail Credit Risk Analyst with 3+ years of experience in the UK credit markets, specifically within personal loans for debt consolidation. The successful candidate will play a critical role in assessing, monitoring, and optimising credit risk strategies to ensure a balanced approach between risk management and business growth.

Requirements

  • 3+ years of experience in a credit risk role, preferably within personal loans and debt consolidation in the UK.
  • Strong understanding of credit scoring models, risk analytics, and lending strategies.
  • Relevant experience in working on UK credit bureau data and leveraging it for credit risk analysis.
  • Experience or familiarity with end-to-end life cycle of a retail loan portfolio.
  • Proficiency in SQL and Python for data analysis and risk modeling.
  • Experience working with decision engines and credit risk platforms.
  • Strong analytical skills with the ability to translate data insights into business decisions.
  • Excellent communication and stakeholder management abilities.
  • Experience in alternative data usage for credit risk evaluation.
  • Familiarity with Open Banking and fintech lending platforms.
  • Bachelor’s or Master’s degree in Finance, Statistics, Mathematics, Economics, or a related field.