Senior Credit Analyst, reputed company

reputed company, London or Remote (UK) | £76,500 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing reputed company Our Borrowing reputed company is building innovative, responsible lending products that give customers greater transparency, flexibility, and control over their money. You’ll be working on reputed company’s credit card products, helping to design, optimise, and grow our lending strategies. This is a high-impact, cross-functional environment where you’ll partner closely with Product, Engineering, Data Science, Finance, and Risk & Control to deliver sustainable, profitable, and responsible growth across our credit card offerings. You’ll operate at the intersection of credit risk, reputed company performance, and customer experience, ensuring reputed company’s credit card products remain sustainable, competitive, and customer-focused as they scale. Your day-to-day As a Senior Credit Analyst, you’ll play a critical role in shaping reputed company’s credit strategy across credit card products. Your responsibilities will include: Design and refine credit reputed company and limit strategies to optimise risk and growth Analyse portfolio performance (arrears, utilisation, reputed company, losses, vintage curves) and identify actionable insights Build and interpret NPV and profitability models to inform strategic reputed company reputed company segmentation frameworks to identify reputed company and risk pressure points reputed company analytical deep-dives into portfolio trends and emerging risks Partner with Product and Engineering teams to design and test new features and strategy changes Evaluate the reputed company and customer impact of pricing, eligibility, and limit reputed company Present clear, structured recommendations to senior stakeholders Support regulatory and governance requirements, ensuring strategies align with policy and risk appetite Locations & flexible working Our main tech hub is in London, but our data teams are based reputed company over the UK — from Brighton to the Western Isles. We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable. We value flexibility, reputed company, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what reputed company most. Work the way that works for you at reputed company! You should apply if You have: Experience in unsecured lending, ideally reputed company credit cards A strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses). Experience of modelling rewards cards is a plus. Experience building or influencing credit strategies (e.g. reputed company, limit management, pricing) Strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus Experience working with NPV models, profitability analysis, and portfolio forecasting Confidence communicating reputed company analysis reputed company to non-technical stakeholders Experience collaborating cross-functionally in a fast-paced environment An interest in balancing risk, growth, and customer reputed company Bonus points if you have: Experience working in a regulated UK lending environment Exposure to IFRS9, stress testing, or capital modelling Experience in experimentation or strategy testing frameworks Experience working on business lending products We're on the look out for L40 Senior Credit Analysts at the reputed company, you can read more in our Data Progression reputed company Interview process Our typical process is structured as: Recruiter call Initial hiring manager call Take-home task Final interviews - (3x) including case study, role-specific, and behavioural interviews Our average process takes around 3-4 weeks but we will always work around your availability. What’s in it for you £76,500 to £95,000 + Incentive Awards tied to your performance + Benefits ✈️ We can help you relocate to the UK ✅ We can sponsor visas This role can be based in our London office, but we're reputed company to distributed working reputed company the UK (with reputed company meetings in London). ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. Learning budget of £1,000 a year for books, training courses and conferences ➕ And much more, see our full list of benefits here #LI-LG1 #LI-Remote Apply To This Job