Senior Risk Analyst

SENIOR RISK ANALYST

SALARY UP TO £57,000

HYBRID WORKING (3 DAYS A WEEK IN-OFFICE)

BIRMINGHAM

Harnham are working with a leading consumer lending business to recruit a Senior Risk Analyst into a high-profile credit risk function. This is an excellent opportunity to join a fast-paced environment where you'll have direct exposure to strategy development, senior stakeholders, and a major new lending proposition.

THE COMPANY

A well-established consumer finance provider is investing heavily in innovation, digital lending, and customer growth. Operating with the agility of a FinTech while benefiting from the backing and resources of a larger financial services group, the business offers a collaborative culture where ideas are implemented quickly, and employees have the opportunity to make a tangible impact across key strategic initiatives.

THE ROLE

This Senior Risk Analyst position will focus primarily on acquisition strategy development while providing exposure across broader areas of the credit lifecycle. You'll work with large datasets, develop and optimise lending strategies, and help shape risk decisions for both existing and new lending products.

Specifically, you can expect to be involved in:

• Developing and optimising acquisition and customer management credit risk strategies.
• Building and enhancing scorecards, affordability models, lending policies, pricing and limit strategies.
• Conducting portfolio analysis, monitoring performance trends and identifying opportunities for improvement.
• Working with internal, bureau and alternative data sources to support decision-making.
• Presenting recommendations and strategy changes to senior stakeholders and risk committees.

SKILLS AND EXPERIENCE

The successful Senior Risk Analyst must have the following skills and experience:

• Experience within a Credit Risk, Risk Analytics, Data Science or Risk Modelling environment.
• Strong analytical skills and experience working within consumer lending.
• Proficiency in SQL, SAS or Python.
• Experience using data to develop, evaluate or optimise lending strategies.
• Strong stakeholder management and presentation skills.
• Degree in a quantitative discipline such as Mathematics, Statistics, Economics, Computer Science or a related field.

BENEFITS

The successful Senior Risk Analyst will receive a salary up to £57,000.