1,543 Risk Analysts jobs in the United Kingdom

• Analyze financial statements, credit reports, and other relevant data to assess the credit risk of corporate and commercial clients.
• Prepare detailed credit reports and recommendations for new loan facilities, renewals, and amendments.
• Monitor the credit performance of existing loan portfolios, identifying potential risks and taking proactive measures.
• Ensure compliance with internal credit policies, procedures, and regulatory requirements.
• Develop and maintain strong relationships with internal stakeholders, including relationship managers and loan officers.
• Conduct due diligence and financial investigations as required.
• Stay informed about industry trends, economic conditions, and market risks that may impact credit quality.
• Utilize credit scoring models and risk assessment tools effectively.
• Assist in the development and enhancement of credit policies and procedures.
• Provide guidance and mentorship to junior credit analysts.
• Negotiate loan covenants and terms with clients, ensuring appropriate risk mitigation.

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Minimum of 5 years of experience in credit analysis, commercial lending, or risk management within the financial services industry.
• Proven expertise in financial statement analysis, cash flow forecasting, and risk assessment.
• Strong understanding of credit principles, loan structures, and various types of financial instruments.
• Excellent analytical, problem-solving, and decision-making skills.
• Proficiency in Microsoft Excel and other financial analysis software.
• Strong written and verbal communication skills, with the ability to present findings clearly and concisely.
• High attention to detail and commitment to accuracy.
• Ability to work independently and manage a demanding workload effectively.
• Knowledge of relevant regulatory frameworks (e.g., Basel accords) is a plus.

Our client is an international corporate organisation, actively involved in International Trade & Development, based in Central London.

This role will work as part of the Metals and Minerals trading division and will work to cover a Maternity Period for a minimum of 12 month on a Fixed Term basis; working on a full hybrid basis.

The role of Credit Risk Analyst is responsible to prepare risk assess.

WHJS1_UKTJ

Credit Risk Analyst

Maternity Cover Temporary Contract 1-Year

JOB SUMMARY

The role ofCredit Risk Analyst is responsible to prepare risk assessment and credit recommendations in support of existing and new business, as well as to monitor credit exposure. The role is also responsible for reviewing trading contracts and other legal documents.

DUTIES AND RESPONSIBILITIES

• Analyse financial statements and pr.

WHJS1_UKTJ

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