99 Risk Analyst jobs in London
Lead Market Risk Analyst
Posted 1 day ago
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Entity:
Finance
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Job Description:
Our purpose is to deliver energy to the world, today and tomorrow. For over 100 years, bp has focused on discovering, developing, and producing oil and gas in the nations where we operate. We are one of the few companies globally that can provide governments and customers with an integrated energy offering. Delivering our strategy sustainably is fundamental to achieving our ambition to be a net zero company by 2050 or sooner!
Trading & Shipping (T&S) is BP's face to the traded markets for BP in oil, gas, power, chemicals and finance. T&S's role is to enhance Group value through distinctive supply, commodity trading, risk management and information technology skills underpinned by an elite finance, control and compliance infrastructure. T&S has a dynamic and highly skilled workforce, which brings value by combining analysis and commercial innovation with the material asset base of BP.
T&S fosters a diverse and inclusive work environment for all employees. We are proud of our stance on fairness, equal opportunity and meritocracy, which focuses on all of our employees reaching their full potential.
Role synopsis
This role sits within the Gas and Power Trading International (GPTI) Commodity Risk team, within BP’s supply and trading business and is a key control position within the Commodity Risk and T&S Finance organization. This role is accountable for providing deep business understanding on risk measurement and control through development and maintenance of robust measurement models, analysis of market conditions and trading positions, and interpretation and improvement of risk and control policies and procedures. This role holds the primary interface into the trading team for trading activity and requires balancing independence with a business enabling partnership. This position requires substantial knowledge of the activities within Commodity Risk Analytics to meet the team’s core accountability of delivering independent analysis and reporting.
Key accountabilities;
Under the direct supervision of the Head of Commodity Risk, GPTI, you will:
- Own and drive modernization of MVaR and Stress processes
- Improve and develop market risk measurement models and methodologies
- Daily MVaR, Exposures, and Stress Tests: Provide explanation of why these numbers have changed, and interact with Front-Office in understanding the trading strategies underpinning the risk that is being measured
- Deliver timely, rigorous, and accurate reporting and analytics that provide insight into risks of T&S’s business activities to support business decision making and strengthen the control environment.
- Monthly calculation on NPVaR and quarterly calculation of NOI: Execution of model, explanation of drivers, and interacting with colleagues to understand the trading strategies relating to the risk.
- Provide market risk input required as part of the process through which new activities and projects considered by the Front Office are being evaluated and approved by GPTI
- Provide constructive challenge to trading activity to ensure it is compliant and aligned to intended trading strategy.
- Work daily with Finance Analytics.
- Interpret T&S’s MTM and market risk policies and ensuring their applications in GPTI.
Essential education
A University degree or equivalent experience in a quantitative subject area is a requirement. Advanced qualification in finance, economics, mathematics, science, engineering, etc. is highly desirable. In addition, a professional qualification in financial analysis (i.e. CFA), risk management (i.e. FRM, ERP, or PRM), business or operations research is an advantage.
Essential experience and job requirements- Strong analytical skills including the ability to understand and communicate sophisticated transactions with embedded optionality as well as assessing the market risk impact of those transactions on an existing portfolio
- Strong numeracy and advanced Excel or Python skills, ability to develop valuation and risk models for wide range of derivatives
- Understand the basic principles of market risk measurement and control as well as familiarity of the alternative methods available to calculate value-at-risk, define appropriate risk factors, account for non- linear instruments,etc.;
- Be familiar with the practical difficulties/limitations of MVaR and other risk measures (volumetric limits, Greeks, etc) either through working in the middle office or a front office role;
- Understands the need for a robust risk management framework in a trading environment. Will know how risk limits should be set and controlled in order to ensure that the organization only takes the risks it is comfortable with;
- Possess a good understanding of the fundamentals of energy trading, including extensive familiarity with derivatives and other trading instruments.
- Wide knowledge of European gas, power and LNG markets and various instruments
- Ability to deploy a variety of communication styles according to the situation and communicate effectively with partners and peers
- Attention to detail and ability to work within a very deadline orientated environment
Desirable criteria & qualifications
- Solid understanding of global gas and power market drivers, physical assets, and fundamentals
- Validated experience preferably in LNG or Gas/Power Europe Product Control, Market Risk, or Trading roles
- Professional qualifications in financial analysis, risk management, accounting, or equivalent areas
- Relevant market risk, middle office, or trading experience, acquired working either within BP or at a firm in a related field (energy trading firm, financial institution, etc.).
- Must be a great teammate able to operate within a complex and dynamic trading business. In addition, they must possess the interpersonal, communication and decision-making skills and sound commercial judgment to build credible relationships across T&S.
Management and Interaction Skills:
- The successful candidate will be very articulate and able to communicate complex issues to non-specialists in a concise and clear manner; and use their credibility and integrity to acquire support from the people they connect with.
Performance Drive:
- Demonstrates a strong focus on delivering solutions in a timely and effective manner with minimum guidance or supervision;
- Exercises judgment and make sound decisions in the face of incomplete data with varying degrees of risk; and
- Knows how to effectively and efficiently handle a variety of tasks, set priorities and measure and anticipate problems in order to accomplish specific priorities, goals and results.
Additional Information
At bp, we provide the following environment and benefits to you:
• A company culture where we respect our diverse and unified teams, where we are proud of our achievements and where fun and the attitude of giving back to our environment are highly valued
• Possibility to join our social communities and networks
• Learning opportunities and other development opportunities to craft your career path
• Life and health insurance, medical care package
• And many other benefits.
We are an equal opportunity employer and value diversity at our company. We do not discriminate based on race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, perform crucial job functions, and receive other benefits and privileges of employment. Don’t hesitate to get in touch with us to request any accommodations.
Travel Requirement
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Skills:
Legal Disclaimer:
We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, socioeconomic status, neurodiversity/neurocognitive functioning, veteran status or disability status. Individuals with an accessibility need may request an adjustment/accommodation related to bp’s recruiting process (e.g., accessing the job application, completing required assessments, participating in telephone screenings or interviews, etc.). If you would like to request an adjustment/accommodation related to the recruitment process, please contact us .
If you are selected for a position and depending upon your role, your employment may be contingent upon adherence to local policy. This may include pre-placement drug screening, medical review of physical fitness for the role, and background checks.
Credit Risk Analyst
Posted 6 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:**
Credit Risk Analyst
Posted 10 days ago
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Job Description
Updraft is an award winning, FCA-authorised, high-growth fintech based in London. Our vision is to revolutionise the way people spend and think about money, by automating the day to day decisions involved in managing money and mainstream borrowings like credit cards, overdrafts and other loans.
- 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
We have built scale and are getting well recognised in the UK fintech ecosystem.
- 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.
Key Responsibilities:
- Conduct portfolio analytics to assess risk trends, customer behavior, and loan performance.
- Analyze credit data, customer profiles, and market trends to enhance underwriting criteria.
- Work closely with stakeholders to optimize credit policies and improve lending strategies.
- Utilize statistical and machine learning techniques to support data-driven risk assessment methodologies.
- Monitor key performance indicators (KPIs) related to loan approvals, delinquencies, and charge-offs.
Requirements
Required Skills & Experience:
- 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.
Preferred Qualifications:
- 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.
Benefits
- Pension Plan
- Paid Time Off
- Work From Home
- Training & Development
Credit Risk Analyst
Posted 14 days ago
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Job Description
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
- 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.
Essential:
- 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:
- Experience in SME lending
- Python
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 / Padel League
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.
Credit Risk Analyst
Posted 20 days ago
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Job Description
Founded in 2011, Fasanara is a global asset manager and technology platform.
We manage c. USD 5 billion AUM (as of June, 2025) in Fintech strategies on behalf of pension funds and insurance companies in Europe and North America, and a mandate from the European Investment Fund (EIF).
We are a pioneer investor in Fintech Lending, enabling Real Economy Impact.
Fasanara manages one of the largest and longest standing Fintech Lending fund in Europe and invests in early-stage Fintech companies via its venture capital vehicles, using its central role in the Fintech ecosystem to identify and back revolutionary new businesses.
Our Culture
We are strong believers in meritocracy, and we seek to reward people based on impact and excellence. The environment is collaborative, entrepreneurial, and trust based. We set ambitious goals, work extremely hard, stress the importance of teamwork, and adhere to the highest level of excellence in everything we do. We are only as good as our team. Thus, we are building the firm around exceptional talent.
The role
We are seeking a proactive and detail-oriented Credit Risk Analyst to join our dynamic team. In this role, you will play a crucial part in managing credit risk reporting, monitoring exposures across diverse asset classes, and analysing the financial health of innovative fintech platforms. You will be empowered to make informed decisions on facility terms, collaborate with our Risk & Analytics team to develop cutting-edge AI-driven tools, and work closely with cross-functional teams to uphold risk standards. This position offers an excellent opportunity to grow your expertise in credit risk within a forward-thinking environment that embraces technology and collaboration. Join us to be part of a team that drives impactful risk management in a fast-evolving market.
Responsibilities:
- Manage regular credit risk reporting for internal stakeholders.
- Support ongoing monitoring and analysis of credit risk exposures across various asset classes.
- Perform analysis of financial profiles of fintech platforms.
- Make well-reasoned, justified decisions regarding potential exceptions to facility terms and conditions.
- Liaise with the Risk & Analytics team to support the development of advanced analytics and AI-based in-house tools.
- Collaborate confidently with origination, investment, and other teams to ensure that risk standards are maintained.
Requirements
- Bachelor’s degree in Finance, Economics, or a related field.
- 1–3 years of experience in credit (risk) analysis; experience with structured products is a plus.
- Confident ability to read and interpret financial statements prepared under different accounting standards.
- Proficiency in Microsoft Excel, Word and PowerPoint
- Strong analytical skills.
- Excellent written and verbal communication skills.
- Exceptional attention to detail.
Benefits
- Competitive bonus scheme.
- Bupa health & dental, Cycle to Work scheme, enhanced pension, and generous annual leave.
- Enhanced parental leave, special leave allowances, and charity giving options.
- Regular team events, legendary summer & Christmas parties, knowledge sharing sessions, and quarterly town halls.
- Team lunches, dinners, Friday drinks, team sport activities.
Credit Risk Analyst
Posted 267 days ago
Job Viewed
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 491 days ago
Job Viewed
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
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Senior Credit Risk Analyst
Posted 14 days ago
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Job Description
Hello, we’re Starling. We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way. We’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We’re a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,000 people across our London, Southampton, Cardiff and Manchester offices.
As a Senior Credit Risk Analyst, you'll play a key role in shaping the future of our lending portfolios. You’ll be at the forefront of credit decision optimisation, using data-driven insights to refine our strategies across the credit risk lifecycle.
You’ll help ensure lending decisions remain accurate, responsible, and aligned with our risk appetite and business goals, while supporting growth, customer outcomes and regulatory expectations. This is a high-impact role where your analytical expertise and curiosity will directly influence our ability to lend safely and fairly.
Key Responsibilities- Develop expert understanding of new business originations and in-life credit risk management, including all aspects of credit decisioning and customer journeys
- Optimise our credit underwriting – both automated and manual – to improve accuracy, efficiency, and control
- Monitor and evaluate strategy performance, including underwriting, limit changes to drive performance improvements.
- Investigate and develop new data sources to enhance insight and decision capability
- Build and maintain datasets, dashboards and MI to support data-driven strategy decisions
- Support business growth and profitability while balancing risk, reward and responsible lending
- Work closely with 2LoD Credit Risk and Compliance to ensure strategies align with risk appetite and regulatory expectations
- Collaborate with Product, Data and Engineering teams to deliver rapid, safe implementation of credit rules and enhancements
- Produce thoughtful, actionable analysis and clear recommendations for decision-makers
Requirements
We’re looking for someone who has:
- Solid experience in an analytical role within unsecured lending (retail or SME)
- Proficiency in SQL (essential), with working knowledge of Python, SAS or similar
- Strong background in credit analytics. Experience with decisioning systems and rule optimisation is a plus
- A deep understanding of credit reference agency data and how to leverage it effectively
- Experience working with credit MI and KPIs (e.g. loss rates, delinquency, vintage curves)
- A track record of using data to inform business decisions and improve lending outcomes
- Exposure to regulatory standards relevant to credit risk (e.g. CONC) is a plus
Behaviours & Competencies- Strong interpersonal and stakeholder communication skills
- Strong desire to solve problems – using regulation and data to drive business decisions
- Ability to analyse and interpret complex information and translate into practical action
- Hands-on, resilient and adaptable in a fast-moving and evolving environment
- Naturally curious, proactive, and biased towards action
- Strong commercial awareness and understanding of portfolio dynamics
- A true team player with a collaborative approach to stakeholder engagement
Benefits
- 25 days holiday (plus take your public holiday allowance whenever works best for you)
- An extra day’s holiday for your birthday
- Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off
- 16 hours paid volunteering time a year
- Salary sacrifice, company enhanced pension scheme
- Life insurance at 4x your salary & group income protection
- Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton
- Generous family-friendly policies
- Incentivised refer a friend scheme
- Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
- Access to initiatives like Cycle to Work, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasing
About Us
You may be put off applying for a role because you don't tick every box. Forget that! While we can’t accommodate every flexible working request, we're always open to discussion. So, if you're excited about working with us, but aren’t sure if you're 100% there yet, get in touch anyway.
We’re on a mission to radically reshape banking – and that starts with our brilliant team. Whatever came before, we’re proud to bring together people of all backgrounds and experiences who love working together to solve problems.
Starling is an equal opportunity employer, and we’re proud of our ongoing efforts to foster diversity & inclusion in the workplace. Individuals seeking employment at Starling are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law.
By submitting your application, you agree that Starling may collect your personal data for recruiting and related purposes. Our Privacy Notice explains what personal information we may process, where we may process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.
Risk Analyst
Posted 77 days ago
Job Viewed
Job Description
Dentons is seeking Risk Analyst for our growing new business intake team across the Europe region. We look for reliable, organized candidates with strong analytical skills and attention to detail, who enjoy engaging in teamwork, working in a dynamic international environment, and getting exposure to major business transactions. Our Risk Analysts play a crucial role in conflicts of interest as well as compliance checks, management of risk, and overall support the firm in applying the standards of risk-based culture.
The role is based in London, however, remote working from anywhere in the United Kingdom is available most of the time.
Key responsibilities:
- Running conflicts checks varying levels of complexity and across a range of sectors, practices, and geographies, including preliminary identification of sanctions issues
- Liaising with partners, business support teams and Risk teams firmwide to facilitate the prompt resolution of commercial and legal conflict issues identified from conflict searches
- Conducting anti-money laundering refresh of due diligence for existing clients
- Reaching out to other Dentons regions to obtain conflict clearances across Dentons worldwide
- Handling complexity protection of confidential information issues, managing information barriers and document security processes
- Reviewing engagement letters, outside counsel terms and other engagement terms/contracts
- Supporting the team and risk management on various tasks and projects, such as client terms review, technology upgrades, team training, policy drafting etc.
Requirements
Experience, skills & knowledge:
- Bachelor’s degree, legal education is preferred
- Prior experience analyzing and resolving conflicts of interest and managing confidential information issues acquired in an international law firm is required
- Experience working with Intapp Open system is advantageous
- Excellent analytical skills, with ability to quickly identify and meticulously analyse complex issues and provide practical solutions
- Effective communication skills, dealing confidently, competently, and diplomatically with internal clients worldwide, persuasively communicating the Risk position in writing as well as by telephone and providing clear and unambiguous instructions
- Ability to comprehend the commercial concerns arising from the underlying advice provided by a global law firm
Methodical and organised approach to work and strong prioritisation skills, with ability to work efficiently under pressure, prioritise and deliver work to a consistently high standard and to deadlines
- Ability to make decisions and remain calm while under pressure, particularly when dealing with challenging situations
- Strong commitment to excellent internal client/customer facing service, being professional in outlook and attitude and serve as an ambassador for Risk Europe
- Ability to work as part of an international multicultural environment
Senior Credit Risk Analyst - Europe
Posted 29 days ago
Job Viewed
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 German market, particularly in consumer or SME 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 European market, ideally France or Germany (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
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 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
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.