78 Credit Analyst jobs in the United Kingdom

Miryco Consultants are working with a renowned UK Insurer/Asset Manager seeking an experienced Corporate Credit Analyst to join their ambitious Investment Team. This is the perfect opportunity for a Credit Analyst with 5-10 years experience at a rating agency,

Ref: 23121

The Skills You'll Need: English fluent, extensive credit analyst experience within NBFI-banking.

Your New Salary: Competitive Depending on experience

Hybrid 1 day at home.

Perm

Start: ASAP

Report to: Head of Credit Risk Department

Senior Credit Analyst (NBFI) - Banking -What You'll be Doing Each Day:

• Provide credit evaluation report for various credit products which provides overview of transactio.

WHJS1_UKTJ

CREDIT RISK ANALYST

£45,000

SOUTH-EAST ENGLAND

THE COMPANY

This fast-growing and innovative FinTech are looking for a motivated candidate to work across credit strategy and modelling. This role offers a chance to join a fast-paced company who are continuing to go from strength to strength to drive analytical and strategic insight. They are a smaller business, allowing you to see a real impact in your work as part of a close-knit team.

THE ROLE

• Development of a range of models including scorecards and pricing models
• Implementation of models to enhance business performance and explore new data techniques
• Portfolio reviews and deep dives as necessary to understand customer trends
• Broader data analysis to enhance and develop lending strategy and profitability

YOUR SKILLS AND EXPERIENCE

• Previous experience in the credit risk space – they are open to people with modelling experience OR strategy work with model exposure
• Essential to have had experience in retail lending (e.g. Credit Cards, Loans, Motor)
• Essential to have experience using SQL
• Educated to at least degree level in a numerate degree

SALARY AND BENEFITS

• Up to £45,000 base salary
• Pension contribution scheme
• 25 days holiday
• Private medical care
• Flat structure and clear opportunities for progression

HOW TO APPLY

Please register your interest by sending your CV to Rosie Walsh through the ‘Apply’ link

About Us

YouLend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and

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

MERJE is seeking a talented Lead Credit Risk Analyst for a leading Mortgage provider in the UK.

Having grown over 150% YoY in 2024, they are now hiring a Lead Credit Risk Analyst to help them continue growing responsibly and compassionately — blending data-driven insight with an understanding of real people’s lives.

Location: London (Very Hybrid)

The Role

As a Lead credit Risk Analyst , you would be reporting to the Head of Propositions and you’ll be a key member of the1st line credit function, shaping how they evaluate and support customers with more complex financial stories. This includes building smarter risk models, improving affordability assessments, and ensuring lending decisions are inclusive without compromising on credit quality.

Key Responsibilities:

• Using credit bureaus and non-conventional data sources to analyse near-prime
• mortgage performance to identify trends, risks, and opportunities to expand access
• safely
• Work with colleagues in credit, underwriting and product to evolve criteria and
• propositions that recognise complexity e.g., variable income, minor credit issues, or
• self-employment
• Help maintain credit scoring models and affordability tools that are both robust
• and human-centred
• Develop clear reporting to monitor portfolio health and highlight areas for continuous
• improvement
• Support the risk assessment process for forward flow partners and funder reporting
• Contribute to scenario testing and stress analysis, ensuring our approach remains
• resilient in different market conditions
• Keep up to date with UK mortgage regulation, consumer duty requirements, and
• emerging risks impacting underserved borrowers
• Act as an advocate for balanced, evidence-led credit decisioning that reflects the
• realities of modern life

Required knowledge and experience:

• Significant experience in credit risk analysis or modelling, ideally in UK mortgages and
• complex or near-prime lending
• Deep understanding of how to assess and manage credit risk across complex customer
• types
• Strong technical skills – familiarity with Python and SQL a plus
• Experience developing credit scorecards, PD/LGD models, and affordability
• assessments
• Knowledge of UK affordability rules and regulatory landscape (FCA, PRA, Consumer
• Duty)
• Comfortable working independently and taking ownership, both iterating pre-existing
• work and starting from a blank slate
• Ability to clearly communicate your analyses and models in writing, verbally and
• through appropriate visualisations
• Empathy and curiosity — you’re excited to help design solutions for real people, not just
• Models

If you're an experienced Credit Risk Analyst looking for a fast-paced role in a mortgage business, we want to hear from you. Apply now to take the next step in your career!

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Applicants must be located and eligible to work in the UK without sponsorship.

Senior Credit Risk Analyst

Hybrid | London Office

60 - 70 K Depending on Experience + Bonus + Benefits

About the Company

This is a forward-thinking consumer finance business, built to give customers real control.

Innovative. Ethical. Customer-first.

No jargon, no complexity, just fair, transparent lending driven by smart, data-led decisions.

For those who want to shape strategies that make a genuine difference, this is the place.

.Read On .

The Role

We’re after a commercially minded Senior Analyst to join a collaborative analytics team at the core of customer engagement and portfolio performance.

In an ‘Existing Customer Management’ setting, you’ll be hands-on with data, shaping strategies that build stronger relationships, boost profitability, and cut losses, all while keeping customer outcomes front and centre.

Expectations

• Lead on credit, pricing, and marketing strategies that drive engagement and reduce losses.

• Work daily with SQL, Python/R, Tableau, and Alteryx to turn raw data into actionable insight.

• Take a ‘test and learn’ approach, challenging the status quo to find better outcomes.

• Translate portfolio trends into strategies that shape customer journeys.

• Collaborate with stakeholders across product, finance, and operations.

About You

You’re more than numbers, you turn data into stories that drive change.

You keep communication clear, direct, and respectful, cutting through noise to keep things moving.

You thrive in fast-paced environments, balance detail with big picture thinking, and take pride in delivering results that make a real impact.

What You’ll Bring

• Degree in Economics, Mathematics, Statistics, Computer Science, Business, or similar.

• 3+ years in analytics, with lending or risk experience, credit card background is a big plus.

• Strong SQL skills, plus confidence with Python/R, Tableau, or Alteryx.

• Credit Card industry experience

• A proactive mindset and the ability to juggle priorities without dropping the ball.

Bonus Points For

• MySQL, AWS, or other big-data platform experience.

• Proven track record in consumer finance strategy.

• Experience linking analytics to commercial decisions.

What’s on Offer

• Competitive salary, annual bonus, and regular pay reviews.

• Hybrid working with London office presence.

• Great benefits package: pension, private medical, life cover, enhanced leave, and more.

This is your chance to join a growing, purpose driven business, and to see your work make a direct impact on customers. APPLY NOW

No Sponsorship is available for this role