What Jobs are available for Credit Risk Analyst in the United Kingdom?

payabl. empowers businesses to grow through payments innovation and banking services. Our ambition is to expand our strong portfolio of global financial services we provide to businesses and make them all available in one place on our platform we call payabl.one. As a licensed financial company with principal membership with card schemes, we specialize in global payments and providing businesses with multi-currency accounts.

About the Role:

We are looking for a highly analytical and detail-oriented Credit Risk Analyst  to strengthen our Credit Risk team. This role is central to safeguarding the company’s financial integrity by ensuring merchants, vendors, and partners are appropriately assessed, monitored, and collateralized.
You will be deeply involved in the entire risk lifecycle :

• Onboarding & Pre-Approval : assessing prospective merchants, reviewing business models, and negotiating collateral conditions.
• Ongoing Monitoring : performing weekly settlements, monitoring exposures, and identifying anomalies.
• Offboarding & Termination : managing credit risk when merchants exit and ensuring obligations are covered.

This position requires a balance of analytical rigor , operational precision , and sound judgment in negotiations and decision-making .

Location: C yprus or London Office
Reporting to: Credit Risk Manager

What You’ll Do:

• Perform continuous assessment, monitoring, and management of credit risk across merchants, vendors, and partners.
• Ensure aggregated credit risk exposure is aligned with the company’s risk appetite, proactively escalating deviations to stakeholders.
• Handle queries from prospective and existing merchants relating to financial and credit risk.
• Assess and manage the financial risk exposure of third-party vendors.
• Resolve risk-related issues with merchants, ensuring compliance with company policies and regulations.
• Ensure adherence to internal policies as well as card scheme rules and requirements.
• Facilitate merchant underwriting and onboarding assessments, including determining initial collateral requirements.
• Review and reassess collateral conditions for merchant funding, renegotiating terms when business or risk conditions change.
• Provide support for periodic and ad-hoc risk reviews, internal audits, and external audit requests.
• Participate in weekly reviews of the settlement instructions.
• Implement automated solutions for credit risk analysis, account dormancy checks, and settlement monitoring to improve accuracy and efficiency.
• Assess and analyze third-party credit risk providers and recommend their integration into existing risk management frameworks.
• Act as a subject-matter resource, educating colleagues and stakeholders across the organization to foster risk awareness and collaboration.
• Drive continuous process improvement initiatives and share best practices to enhance the company’s overall credit risk management framework.

Who you are:

You are experienced in B2B credit risk assessment across banking, acquiring, or insurance underwriting, bringing expertise from collateral-sensitive or complex sectors that add fresh insights to our team’s approach. You demonstrate strong negotiation skills and the confidence to uphold prudent risk standards, while also being able to share knowledge and introduce new perspectives on credit risk practices. You thrive in a fast-paced, cross-functional environment, balancing effective risk management with business growth priorities.

What we are looking for:

• 3–5 years of experience in credit risk management within acquiring, banking, insurance, or B2B financial services.
• Strong knowledge of financial statements, with the ability to calculate and interpret liquidity ratios, exposures, and capital adequacy.
• Background in merchant acquiring or POS transaction environments is highly desirable.
• Experience in insurance underwriting for companies (B2B) is also relevant.
• Solid understanding of risk frameworks, credit risk policies, and regulatory compliance.
• Demonstrated experience in negotiating credit terms, collateral conditions, and financial holds.

Soft Skills & Qualities

• Highly organized, reliable, and able to manage multiple risk assessments simultaneously.
• Strong numerical and analytical skills with precision in data handling and reporting.
• Proactive, responsible, and able to take full ownership of credit risk decisions.
• Strong communicator with the ability to collaborate across Settlement, Finance, AML, CDD, and Sales teams.
• Resilient under pressure, with the ability to make well-reasoned decisions even in complex or time-sensitive situations.
• Comfortable working with diverse business models and ensuring appropriate collateralization.
• Curious and continuously looking for ways to improve processes and automation.
  

The perks of being a payabl.er:   

• Future-Proof Your Finances: Once you’ve passed probation, we’ll kickstart your Provident Fund to secure your future.
• Grow with Us: Annual Learning Budget for professional development (after probation)—because your growth is our growth.
• Wolt Your Way Through Lunch: €150 monthly Wolt allowance to keep you fueled and happy.
• Drive in Style: After one year with us, you may be eligible for a company car—performance and availability permitting.
• Park with Ease: Complimentary parking space just steps from the office, so your commute is as smooth as your workday.
• Max Out Your Downtime: 25 days of vacation + public holidays, plus an additional 10 sick days to rest when needed.
• Shop & Save: Exclusive local discount card + tickets for exciting events like Beonix, basketball games, and more.
• Speak Like a Local: Join free Greek language classes, twice a week, open to all team members.
• Celebrate Together: Twice a year, we bring colleagues from all offices together for unforgettable company celebrations.
• Global Collaboration & Events: Opportunities to participate in international company events and initiatives, connecting with colleagues from all regions and contributing to a truly global community

Please note:  the posted benefits are for Cyprus office. As this role is open to multiple locations, the benefits and employment conditions may vary depending on your location. A full overview of applicable benefits and conditions will be discussed during your first interview with our Talent Acquisition team. 

About Us

YouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world’s leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk. 

We are owned by the leading Private Equity company, EQT, and have grown +100% year-on-year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe. 

The Role

We are seeking a motivated and detail-oriented Credit Risk Analyst to join our Credit Risk team. The Credit Risk Analyst is responsible for developing and managing analytical tools to evaluate and monitor credit risk across portfolios, ensuring effective risk management strategies.

Requirements

Responsibilities:

• 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.

The ideal candidate will have the following skillset:

• Proficiency in SQL.
• Experience in credit risk
• 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.
• Experience in European Markets (ideally France or Germany)

Desirable skills:

• Experience in SME lending
• Python

Benefits

Why join YouLend?

• Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work in 2024 and 2025” 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.

It’s just getting fun:

• We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace. 
• But the global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started. 

Lots of upsides:

• High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business). 
• Well-capitalised with supportive private equity backing. 
• Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets. 

Motivating work environment:

• A high-quality team that pushes each other to succeed through direct feedback and aligned incentives. 
• Strong and transparent team culture, we have each other’s backs. 
• Independent work environment where results matter.  
• Data-driven culture and emphasis on speed (anti-red tape). 

We offer a comprehensive benefits package that includes:

• Stock Options
• Private Medical insurance via Vitality and Dental Insurance with BUPA
• 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 / Paddle and Yoga Club

Salary: £40,000 - 60,000 +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.

What we’re about

Kroo Lending is here to support the life milestones of our customers. Borrowing can support something joyful, or be a bit grown up: a cargo bike for the commute with kids or replacing a tired old boiler. Credit analytics, decisioning and credit operations effectiveness is at the heart of our ability to support lending customers, ensuring we can offer the most suitable product and service and sustainably grow the business. We have launched some familiar products - overdrafts, and unsecured personal loans - and are now preparing to expand the scale of these. This is a newly created role within our Lending function, which will give you exposure to some exciting projects.

We’re a bank, and we’re a startup: Kroo is able to take the best of both worlds to create products that our customers trust and love. We want to improve the relationship people have with their banks and money and, ultimately, give them more financial independence and control.

How you’ll contribute:

• Develop the credit decisioning ruleset and scorecard, expanding strategies to suit specific customer groups
• Manage the dynamic pricing modelling alongside credit profiles, to ensure our customer offer is competitive and performs over time
• Oversee the affordability assessment, using Open Banking transaction analytics to validate specific customer circumstances, and identify vulnerability markers
• Monitor cohort performance over time, being able to measure and explain variances. This end-to-end view of the credit lifecycle will also include input to the collections strategies and success metrics.
• Monitor our forbearance and arrears effectiveness strategies and provide insight into measurement and  improvement approaches.
• Explain and present the credit performance amongst the team and to business stakeholders
• Support policy and procedure development within the lending team 

About Our Process:

We can be flexible with the structure of our interview process if someone's circumstances or timescales require it but our general structure is:

1. People Screen - 30 mins
2. Interview with the Head of Lending - 45 mins
3. A technical case study - 30 mins
4. Face to face meeting with members of the team in our London office

Please let us know if you have any specific requirements or need assistance so we can be as accommodating as possible for you.

Requirements

• Experienced UK consumer credit risk analyst
• Comfortable with credit bureau files and their application in origination scorecards
• Familiar with transaction data (Open Banking) and its interpretation, for affordability and vulnerability identification
• A pragmatic, data-first mindset. It’s how you’ll identify opportunities and communicate the expected impact of policy changes and the analysis provided to the business. Experience using SQL and data management practices
• Ability to communicate clearly and succinctly to other credit professionals, and others in the business including our Operations , Finance, Compliance, Product and Engineering
• Takes initiative and has a natural curiosity to follow the analysis.  

Benefits

We know that attracting and retaining the best talent means offering top-notch benefits that help our employees thrive both in and outside of work. Check out what we currently offer:

• Generous holiday time: 25 days annual leave, 8 bank holidays, 1 Kroo bank holiday (June 24th), and 1 day off during the week of your birthday.
• Personal days: We know that life can be unpredictable, so we offer 3 personal days to use as needed.
• Employer-sponsored volunteer program: We're passionate about giving back to our community, and we support our employees in doing the same with up to 4 hours per month of employer-sponsored volunteer time.
• Mental health support: We care about the mental health of our team members and offer access to Spill, our mental health support partner.
• Workplace pension: We want you to feel secure about your future, so we offer a workplace pension with a 5% employee contribution and a 3% employer top-up.
• Top-notch equipment: We provide top-of-the-line equipment necessary for smooth hybrid work, including a MacBook laptop. Additionally, we also offer support in establishing your home office by contributing towards your setup if required.
• Modern office: When you're in the office, you'll enjoy access to our modern, bustling workspace in Central London.
• Cycle to Work scheme: We encourage sustainable transportation with our Cycle to Work scheme.
• Electric Car scheme: We're committed to reducing our carbon footprint, and our Electric Car scheme makes it easy for our employees to do the same.
• Enhanced parental leave: We know that family comes first, and we offer an enhanced parental leave policy to support our employees in starting and growing their families.
• Room for growth: As a fast-paced, high-growth start-up, we're dedicated to providing our employees with room to grow and excel.
• You get full healthcare for you and your nuclear family via Vitality.

Hybrid Working

At Kroo Bank, we have a hybrid/ flexible policy that gives both individuals and teams a lot of freedom when it comes to using the office space to boost productivity. Our London office is a great resource to collaborate and candidates should be able to attend 1-2 days per week regularly to align with how we work at the moment.

Diversity and Inclusion

We wholeheartedly uphold our commitment to fostering a diverse and inclusive workplace. Every employee is highly regarded, respected, and supported without any form of judgement or prejudice. We consider Diversity, Equality, and Inclusion as fundamental pillars guiding our path in all aspects of our bank. We also ensure that reasonable adjustments are made available to all candidates throughout the recruitment process.

To all Recruitment Agencies

At Kroo Bank, agency resumes are strictly prohibited. Do not submit agency resumes or forward them to our job advertisements or Kroo Bank employees. Be aware that Kroo Bank will not assume any responsibility for fees incurred due to unsolicited resumes.

To ensure a fair and efficient application process, all candidates are kindly requested to submit their applications directly through the advertised platform. We kindly ask that you refrain from reaching out to the company or its employees via email, LinkedIn, or any other communication channels for inquiries or updates. Please note that any attempts to contact us through these channels will not receive a response. Thank you for your understanding and cooperation.

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.

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

SENIOR CREDIT RISK ANALYST

£55,000

LANCASHIRE

THE COMPANY

This company is a growing retail company that have a unique credit offering. They are seeking a Risk Analyst to join their diverse team and help to enhance their products and work on a range of projects including growing their credit book.

THE ROLE

This role will see you work on a number of projects and:

• Produce MI and broader reporting for senior stakeholders in the business and present broad sets of data
• Use credit risk models to tweak credit risk strategy and monitor customer trends
• Analyse data from across their credit portfolio to tell a story with this data and drive insight
• Work with the wider risk team to identify opportunities for commercial improvements and business opportunities

YOUR SKILLS AND EXPERIENCE

• Essential to have knowledge of SQL and prior experience using this
• Essential to have worked with large data sets and driven insight into this, ideally within financial services
• Strong communication skills and prior experience in communicating complex data

SALARY AND BENEFITS

• Base salary of up to £55,000
• Free on-site parking
• Pension contribution scheme
• On-site amenities

HOW TO APPLY

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

SENIOR CREDIT RISK ANALYST

£55,000

LANCASHIRE

THE COMPANY

This company is a growing retail company that have a unique credit offering. They are seeking a Risk Analyst to join their diverse team and help to enhance their products and work on a range of projects including growing their credit book.

THE ROLE

This role will see you work on a number of projects and:

• Produce MI and broader reporting for senior stakeholders in the business and present broad sets of data
• Use credit risk models to tweak credit risk strategy and monitor customer trends
• Analyse data from across their credit portfolio to tell a story with this data and drive insight
• Work with the wider risk team to identify opportunities for commercial improvements and business opportunities

YOUR SKILLS AND EXPERIENCE

• Essential to have knowledge of SQL and prior experience using this
• Essential to have worked with large data sets and driven insight into this, ideally within financial services
• Strong communication skills and prior experience in communicating complex data

SALARY AND BENEFITS

• Base salary of up to £55,000
• Free on-site parking
• Pension contribution scheme
• On-site amenities

HOW TO APPLY

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

SENIOR CREDIT RISK ANALYST

£55,000

LANCASHIRE

THE COMPANY

This company is a growing retail company that have a unique credit offering. They are seeking a Risk Analyst to join their diverse team and help to enhance their products and work on a range of projects including growing their credit book.

THE ROLE

This role will see you work on a number of projects and:

• Produce MI and broader reporting for senior stakeholders in the business and present broad sets of data
• Use credit risk models to tweak credit risk strategy and monitor customer trends
• Analyse data from across their credit portfolio to tell a story with this data and drive insight
• Work with the wider risk team to identify opportunities for commercial improvements and business opportunities

YOUR SKILLS AND EXPERIENCE

• Essential to have knowledge of SQL and prior experience using this
• Essential to have worked with large data sets and driven insight into this, ideally within financial services
• Strong communication skills and prior experience in communicating complex data

SALARY AND BENEFITS

• Base salary of up to £55,000
• Free on-site parking
• Pension contribution scheme
• On-site amenities

HOW TO APPLY

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

SENIOR CREDIT RISK ANALYST

£55,000

LANCASHIRE

THE COMPANY

This company is a growing retail company that have a unique credit offering. They are seeking a Risk Analyst to join their diverse team and help to enhance their products and work on a range of projects including growing their credit book.

THE ROLE

This role will see you work on a number of projects and:

• Produce MI and broader reporting for senior stakeholders in the business and present broad sets of data
• Use credit risk models to tweak credit risk strategy and monitor customer trends
• Analyse data from across their credit portfolio to tell a story with this data and drive insight
• Work with the wider risk team to identify opportunities for commercial improvements and business opportunities

YOUR SKILLS AND EXPERIENCE

• Essential to have knowledge of SQL and prior experience using this
• Essential to have worked with large data sets and driven insight into this, ideally within financial services
• Strong communication skills and prior experience in communicating complex data

SALARY AND BENEFITS

• Base salary of up to £55,000
• Free on-site parking
• Pension contribution scheme
• On-site amenities

HOW TO APPLY

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