Senior Credit Analyst, Personal Borrowing - Remote

Overview

The Senior Credit Analyst will be responsible for developing credit and pricing strategies for unsecured lending products, working with cross-functional teams to create profitable lending portfolios and enhance customer experiences.

In Short

• Work on improving credit underwriting and managing portfolio risk.
• Support design and roll-out of new lending strategies based on data insights.
• Monitor performance of existing strategies and iterate for improvement.
• Collaborate with engineering, marketing, and product teams.
• Develop and maintain credit models to drive business decisions.
• Build and maintain databases and dashboards for data-driven insights.
• Assess performance of lending portfolios over time.
• Work in a fast-paced environment to enhance products.

Requirements

• Experience in unsecured retail lending (e.g., personal loans, credit cards).
• Understanding of the unsecured retail lending market and pricing dynamics.
• Experience in developing underwriting strategies.
• Strong analytical skills and technical coding skills (SQL required).
• Understanding of UK lending regulations.
• Ability to communicate complex problems clearly.
• Some experience in project management.
• Collaborative team player with diverse skill-sets.
• Motivated to create positive customer impact.

Benefits

• Salary of £69,000 to £95,000 + stock options.
• Relocation assistance to the UK.
• Visa sponsorship available.
• Flexible working hours.
• Annual learning budget of £1,000.
• Comprehensive benefits package.