Explore numerous credit job opportunities. Credit roles are available across various sectors, including finance, banking, and retail. These positions involve managing credit risk, analyzing financial data, and ensuring compliance with regulations. Professionals in credit jobs assess creditworthiness, develop credit policies, and handle customer accounts.327 Credit jobs in the United Kingdom
Credit Risk Analyst
Posted 9 days ago
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Job Description
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
Central Rating and Underwriting Team (CRU) sits within the Credit and Fraud Risk division and forms the institutional credit risk management function within American Express. The CRU team plays the critical role of assessing and managing the risk of institutional exposures across all business units within American Express, and in all regions globally. Credit exposures are primarily generated through corporate and small business card programs, working capital facilities, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity.
In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also calculates the loss given default of these obligors while underwriting card programs. As a bank holding company, American Express must comply with the highest global banking standards set by Basel and implemented by the banks primarily regulatory, the Federal Reserve.
**How will you make an impact in this role?**
Credit Risk Analysts in CRU are responsible for rating and underwriting credit exposures in their assigned region, industry, and business line. The Analysts' fundamental credit assessment incorporates a thorough review of business, financial, industry and country risk coupled with support from internal and external rating model outputs. Analysts will also need to show an understanding of the need for credit extension, profitability of the relationship, risk mitigation and program structures.
**Minimum Qualifications**
+ Fluency in English and French mandatory.
+ Bachelor's degree/equivalent in Finance or a related subject.
+ Experience in fundamental credit analysis and / or underwriting of commercial enterprises (1-2 years)
+ Understanding of fundamental financial analysis including the ability to review corporate financial statements to determine key risk drivers, an appropriate probability of default and the ability of the obligor to honour its credit obligations to American Express.
+ Comfortable determining appropriate credit capacity, structuring of facilities, and risk mitigation techniques.
+ Ability to prepare accurate company-specific and industry-wide credit risk memorandums.
+ Excellent written and verbal communication skills.
+ Basic working knowledge of Microsoft Excel.
+ Understanding of banking regulations, particularly those imposed by Basel Committee on Banking Supervision.
+ Understanding of current macroeconomic trends and how to provide recommendations to improve the Probability of Default estimation based on the business cycle.
**Qualifications**
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
+ Free and confidential counseling support through our Healthy Minds program
+ Career development and training opportunities
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** United Kingdom-London-London
**Schedule** Full-time
**Req ID:** 25012837
Credit Risk Analyst
Posted 235 days ago
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Job Description
About Us
YouLend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.
We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.
The Role
We are seeking a motivated and detail-oriented Credit Risk Analyst to join our Credit Risk team. The successful candidate will support collections data analysis and contribute to strategy improvements aimed at optimising our collections and recoveries processes.
Requirements
- Collections Data Analysis: Analyse collections data to identify trends, patterns, and areas for improvement. Develop insights that will inform and enhance our collections strategies.
- Strategy Improvement: Collaborate with the Collections Operations team to design and implement strategies that optimise collections performance and reduce credit risk.
- Reporting: Prepare and present detailed reports on collections performance, highlighting key metrics and making data-orientated recommendations for strategic adjustments.
- Data Management: Ensure accuracy and integrity of collections data by maintaining and updating relevant databases and systems.
- Collaboration: Work closely with other departments, including Finance, Sales, Underwriting and Customer Service, to ensure cohesive and effective credit risk management practices.
Essential:
- Working knowledge of SQL
- Experience in credit collections
- Understanding of the SME collections process
Desirable:
- Experience building/managing collections strategies
- Working knowledge of Python.
- Experience working with Aircall and Hubspot
- Experience in revenue based financing (merchant cash advances),
- Experience using Companies House data
Benefits
Why join YouLend?
- Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work 2024” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
- Award-Winning Fintech : YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.
We offer a comprehensive benefits package that includes:
- Stock Options
- Private Medical insurance via Vitality
- EAP with Health Assured
- Enhanced Maternity and Paternity Leave
- Modern and sophisticated office space in Central London
- Free Gym in office building in Holborn
- Subsidised Lunch via Feedr
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League / Squash Club
Salary: £60,000 - 80,000 +10% annual bonus
At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.
Credit Risk Analyst
Posted 459 days ago
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Job Description
About Us
YouLend is a rapidly growing FinTech Company that is the preferred embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers. Our software platform enables our partners to offer flexible financing products in their own branding to their merchant base without capital at risk.
We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.
The Role
We are looking to add a Credit Risk Analyst to the team who will evaluate the creditworthiness of potential borrowers, analyze financial data and credit scores to determine risks in lending. You will review and interpret complex financial statements and economic trends to advise on credit limits and risk mitigation strategies. The analyst will monitor the financial health of existing clients to anticipate and manage potential default risks. They also ensure that all lending activities comply with regulatory standards and internal policies. Through your analysis, you will support the decision-making process regarding loan approvals and risk management.
Requirements
- Design and maintain statistical models for the assessment of credit risk.
- Analyse large datasets to forecast financial outcomes and estimate risks.
- Perform stress testing and scenario analysis to assess potential impacts on credit portfolios.
- Provide insights and recommendations to manage credit risk exposure effectively.
- Compile and present analytical reports to senior management and key stakeholders.
You will need:
- A degree in Finance, Statistics, Economics, Mathematics, or a related field.
- Proficient in statistical analysis software and programming languages such as SQL, Python, or SAS.
- Strong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
- Experience with data visualization tools and techniques.
- Excellent analytical, problem-solving skills and attention to detail.
Desirable:
- Experience in credit risk
Benefits
Why join YouLend?
At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.
We offer comprehensive benefits package that includes:
- Stock Options
- Private Medical insurance via Vitality
- EAP with Health Assured
- Enhanced Maternity and Paternity Leave
- Modern and sophisticated office space in Central London
- Free Gym in office building in Holborn
- Subsidised Lunch via Feedr
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League / Squash Club
Credit Risk Manager
Posted today
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Job Description
This is a fabulous opportunity for a fluent MANDARIN speaker who has a background in CREDIT RISK gained in corporate banking. It's an ideal role for someone who has been steadily building up knowledge and expertise in this area and is now looking to take the next step of their career whilst also leveraging language skills. The team you will join is close knit and very high performing and this role is regarded as a key appointment.
TITLE : Mandarin speaking Credit Risk Manager
Salary : 80,000-90,000 ( depending on experience) + excellent benefits
Company : International Banking
Job Title Credit Risk Manager
Location Central London
Work style : Fully office-based
Summary details You will join the high performing Credit Risk team of this global organisation that works with corporate clients providing risk analysis on syndicated or bilateral loans and checks for regulatory compliance. Their Chinese business is growing rapidly, and the organisation now needs a fluent Chinese speaker to jong this fast-growth team, but friendly , team
Duties :
- Analyse : Undertake "deep dive " risk assessments for corporate clients and financial institutions
- Reporting : ensure that credit risk exposure is accurately monitored daily, and reported .
- Stress-test the risks: Constantly measure, re-assess and check the risk exposure of the entire portfolio
- Check for when credit limit breaches are reported and recommend actions
- Help to structure potential transactions to mitigate risk
- Compliance : Ensure UK regulatory compliance
- Make sure that appropriate credit risk management controls, systems, policies and procedures are robust and in place
- Manage credit risk documentation ( eg Credit proposals, ensure tax risk policy is in place)
- Have full documentary compliance oversight
- Review/check/Stay ahead :monitor the economic news and market information
REQUIREMENTS
- Degree
- At least 4 years credit risk experience gained in wholesales corporate banking
- Solid compliance background & knowledge of the UK banking regulatory framework
- Fluent Mandarin and English
Credit & Risk Manager
Posted 7 days ago
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Job Description
Accountable Recruitment are delighted to be partnering with a global manufacturing company based in Deeside, in their search for a Credit & Risk Manager.
The Credit & Risk Manager is responsible for managing the credit control function across the UK, as well as coordinating credit policy and performance globally. The role is pivotal in protecting financial interests, ensuring robust credit risk as.
Senior Credit Risk Analyst
Posted 1 day ago
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Job Description
Key Responsibilities:
- Develop and validate credit risk models (e.g., PD, LGD, EAD).
- Assess the credit risk of new and existing clients and portfolios.
- Monitor loan portfolio performance and identify emerging risks.
- Conduct stress testing and scenario analysis.
- Contribute to the development and enhancement of credit policies and procedures.
- Prepare reports and present findings to senior management and regulatory authorities.
- Collaborate with business units to ensure effective risk management.
- Master's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field.
- Minimum of 5 years of experience in credit risk management or analysis within the financial services industry.
- Strong understanding of credit risk modeling techniques and regulatory requirements (e.g., Basel).
- Proficiency in statistical software (e.g., R, SAS, Python) and SQL.
- Excellent analytical, problem-solving, and critical thinking skills.
- Strong written and verbal communication abilities.
Senior Credit Risk Analyst
Posted 1 day ago
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Job Description
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Senior Credit Risk Analyst
Posted 1 day ago
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Responsibilities:
- Developing, validating, and implementing credit scoring models and risk assessment frameworks.
- Analysing financial statements, market data, and economic trends to evaluate creditworthiness and identify potential risks.
- Monitoring the credit performance of existing portfolios, identifying early warning signs of deterioration, and recommending appropriate actions.
- Producing comprehensive credit risk reports and presentations for senior management and regulatory bodies.
- Ensuring compliance with all relevant regulatory requirements, including Basel Accords, IFRS 9, and local banking regulations.
- Contributing to the development and refinement of credit policies and procedures.
- Collaborating with business units to provide expert advice on credit risk matters and support business growth responsibly.
- Performing stress testing and scenario analysis to assess portfolio resilience under adverse economic conditions.
- Mentoring junior analysts and contributing to the overall development of the risk team.
- Keeping abreast of industry best practices and emerging trends in credit risk management.
The ideal candidate will possess a degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field. A postgraduate degree (MSc/MBA) or professional qualification (e.g., FRM, PRM) is highly desirable. You should have a minimum of 5 years of experience in credit risk analysis within the banking or financial services sector, with a proven ability to build and validate complex statistical models. Proficiency in statistical software packages such as SAS, R, or Python, along with advanced Excel skills, is essential. Strong analytical, problem-solving, and communication skills are paramount. This is a full-time, office-based role at our Portsmouth headquarters.
Senior Credit Risk Analyst
Posted 11 days ago
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Job Description
About Us:
One-third of the UK’s working-age population is unable to access mainstream financial services. These individuals are excluded from affordable credit and underserved by traditional financial institutions. Our purpose is “To improve the nation’s financial health through accessibility, affordability, and community.”
We are a fast-growing social FinTech company, empowering not-for-profit Credit Unions in the UK with cutting-edge technology. Our goal is to transform a select group of Community Lenders into a network of challenger banks that provide a viable alternative to high-cost lenders.
With a team of over 200 people and more than 180,000 active customers, Amplifi is a data-driven business with strong ambitions and a proven platform. We are led by a senior team with decades of experience across institutions such as Credit Suisse, UBS, NatWest, Capital One, NewDay and Barclays.
The Role:
At Amplifi, data lies at the heart of all strategies. As a fintech in the consumer lending space we strongly believe that innovative use of data and technology are key to delivering on our strategic objectives. As a Credit Risk Senior Analyst, you will play a key role in optimising our credit risk strategies and ensuring robust decision-making that supports sustainable growth and excellent customer outcomes.
This role focuses on analysing customer data, evaluating credit risk policies, forecasting and monitoring portfolio performance to identify areas for improvement. You will also contribute to fraud detection and prevention strategies, leveraging your skills to protect both the business and our customers.
Working closely with the Credit Risk Manager and collaborating with teams across product, pricing, data science, and operations, you will develop actionable insights that inform decision-making and drive business performance.
Key Responsibilities:
- Lead complex analyses of credit risk policies and portfolio performance, providing actionable insights to optimise risk management strategies.
- Support the development and implementation of credit risk models and decision systems, ensuring they align with business goals.
- Take ownership of key metrics related to credit risk and fraud, identifying trends and recommending improvements to strategies and policies.
- Drive fraud analytics by identifying and analysing patterns related to first-, second-, and third-party fraud, working with the Fraud team as needed.
- Influence senior stakeholders through the presentation of analysis and recommendations in order to drive impactful change.
- Collaborate with the data engineering and product teams to enhance data quality and ensure efficient integration of credit risk tools and systems.
- Support in testing and validating new credit risk tools, processes, and decision-making frameworks.
- Stay updated on industry trends, fraud prevention techniques, and regulatory changes, sharing relevant insights with the team.
- Mentor and support junior analysts, fostering a culture of analytical excellence and continuous development within the team.
Requirements
This is a significant role in the analytics team of a fast-growing business and hence the ideal candidate would be someone who:
- Is passionate about data, analytics, and credit risk management.
- Is proactive, self-motivated, and comfortable working in a dynamic environment.
- Has excellent communication skills, capable of presenting complex insights to both technical and non-technical audiences.
To be successful, you should have:
- 3-5+ years of experience in credit risk, fraud analytics, or a related field, ideally within consumer lending.
- Strong proficiency in SQL to query and extract insights from large datasets; experience with Python is a big plus.
- Advanced Excel skills, including the ability to work with complex formulas, pivot tables, and data analysis tools.
- A solid grounding in probability and statistics
- A solid understanding of credit risk decisioning, strategies, and affordability assessment methodologies.
- Experience in creating data monitoring and KPIs with tools like PowerBI/Tableau or similar
- Familiarity with fraud detection and prevention techniques, as well as UK bureau data (e.g., Experian, Equifax, or TransUnion).
- Excellent analytical and problem-solving skills, with attention to detail and a data-driven approach.
- A degree in a numerate discipline (e.g., Mathematics, Statistics, Economics, or STEM) or equivalent practical experience.
Also Desirable:
- Experience working with decision systems and credit scoring models.
- Modelling experience, applied to Financial Services
- Experience working in a scale-up or high-growth environment.
Benefits
- Competitive salary
- 25 days annual leave
- Pension
- Death in Service Provision
- Private health insurance
- Subsidised Childcare
- Subsidised Gym Membership
- Hybrid working (2 days from home)
Commitment:
We are committed to equality of opportunity for all staff and applications from individuals are encouraged regardless of age, disability, sex, gender reassignment, sexual orientation, pregnancy and maternity, race, religion or belief and marriage and civil partnerships.
Please note that all offers of employment are conditional on us obtaining satisfactory pre-employment checks, including a DBS check, a credit check and employment references.
Senior Credit Risk Analyst
Posted 15 days ago
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Job Description
About Us
YouLend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Take payments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.
We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.
The Role:
We are seeking a Senior Credit Risk Analyst with strong experience in the French market, particularly in SME or consumer lending. The Senior Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies.
- Risk Analysis: Utilising statistical techniques and data analysis to assess portfolio-level credit risk.
- Portfolio Monitoring: Identifying trends, risks, and opportunities across customer segments using advanced analytics.
- Policy and Strategy Development: Supporting the creation of credit risk policies, underwriting strategies, and pricing.
- Data-Driven Insights: Delivering actionable insights and recommendations to optimise risk-adjusted returns.
- Stakeholder Collaboration: Working with internal teams, including operations, product, finance, and compliance, to align risk management objectives with business goals.
Requirements
- A degree in Finance, Statistics, Economics, Mathematics, or a related field.
- Proficient in SQL.
- Experience with credit scoring systems, credit policy and methodologies in the French market (consumer or SME)
- Strong understanding of credit risk metrics (PD, LGD, EAD) and financial modelling.
- Experience with data visualization tools and techniques.
- Excellent analytical, problem-solving skills and attention to detail.
Desirable Skills
- Experience in SME lending
- Python
- Experience in other European markets would be a plus
Benefits
Why join YouLend?
- Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work 2024” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
- Award-Winning Fintech : YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.
We offer comprehensive benefits package that includes:
- Stock Options
- Private Medical insurance via Vitality
- EAP with Health Assured
- Enhanced Maternity and Paternity Leave
- Modern and sophisticated office space in Central London
- Free Gym in office building in Holborn
- Subsidised Lunch via Feedr
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League / Squash Club
At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.