Senior Credit Analyst

This is a fully remote position, open to applicants in United Kingdom.

📋 Description

• Design and enhance credit underwriting and limit strategies to maximize risk management and growth.

• Analyze portfolio performance metrics, such as arrears, utilization, revenue, losses, and vintage curves, while identifying actionable insights.

• Construct and interpret NPV and profitability models to guide strategic decision-making.

• Develop segmentation frameworks to pinpoint revenue and risk pressure points.

• Lead in-depth analytical investigations into portfolio trends and emerging risks.

• Collaborate with Product and Engineering teams to create and test new features and strategy adjustments.

• Assess the commercial and customer impacts of pricing, eligibility, and limit decisions.

• Deliver clear, structured recommendations to senior stakeholders.

• Support compliance with regulatory and governance requirements, ensuring strategies align with policy and risk appetite.

⛳️ Requirements

• Experience in unsecured lending, preferably within the credit card sector.

• In-depth understanding of credit card economics, including APR, utilization, interchange, revolving behavior, cost of funds, and losses.

• Proven experience in developing or influencing credit strategies, such as underwriting, limit management, or pricing.

• Strong analytical and data skills, complemented by technical coding abilities.

• Proficiency in SQL is essential.

• Familiarity with Python and Looker is advantageous.

• Experience with NPV models, profitability analysis, and portfolio forecasting.

• Capability to communicate complex analyses clearly to non-technical stakeholders.

• Experience working collaboratively across functions in a dynamic environment.

• A keen interest in balancing risk, growth, and customer outcomes.

🏝️ Benefits

• Incentive Awards linked to your performance.

• Relocation assistance to the UK.

• Visa sponsorship available.

• Flexible working hours.

• An annual learning budget of £1,000 for books, training courses, and conferences.

• MacBook provided to all employees.

• Support for home office setup for fully remote workers.

• Wellbeing and flexible working support.