RISK ANALYTICS
FOCUS
We place talented analytical professionals into the Risk Analyst positions that come with so much responsibility.
We appreciate the importance of protecting the world’s interests and know the role that data has to play. Our dedicated Risk Analytics team fully understands risk analytics in finance and decision science, as well as the significance of knowing your market.
As within the world of Risk Analytics, the customers we work with differ by location, size and industry. We have experience across all the major marketplaces and can assist you, whether you are hiring to reinforce an existing presence or build a new one.
HOW WE
DO IT
To ensure effective, risk-free solutions for our clients and candidates, our recruitment solutions in this marketplace are determined by tried and tested methods.
We appreciate the importance of protecting the world’s interests and know the role that data has to play. Our dedicated Risk Analytics team fully understands risk analytics in finance and decision science, as well as the significance of knowing your market.
As within the world of Risk Analytics, the customers we work with differ by location, size and industry. We have experience across all the major marketplaces and can assist you, whether you are hiring to reinforce an existing presence or build a new one.
WHAT SETS
US APART?
Harnham appreciates the significant resources and sophisticated programs used to analyse and manage risk.
We are dedicated to the people who ensure banks and other financial institutions can identify, measure, monitor and control their credit risk.
We successfully recruit across the full spectrum of skill sets required to support this, from Customer Acquisition to Portfolio Management, Fraud Analytics to Collections & Recoveries, as well as Risk Audit to Credit Risk .
Whether you’re looking for a new opportunity or another team member, we can help you find your ideal solution.
As working from home becomes ever more common, you can now search Remote Risk Analytics Jobs.
DECISION
SCIENCE
Every aspect of business now benefits from the efficiencies that the extrapolation of insights from analytics can deliver.
The collaborative approach of Decision Science teams helps the decision-making process achieve far superior results than ever before. Combining mathematical equations, tech and behavioural sciences for the most informative insights is now standard and has seen the industry progress at a rapid rate.
PORTFOLIOÂ
ANALYST
Global risk and portfolio profiling help brands understand success across metrics such as currencies and economies. Understanding and increasing growth, as well as market share, through skilled optimisation, is a coveted skill set we hire for.
Strategic planning and stress testing to balance risk are paramount for the businesses we work with to maximise returns, and getting the most out of a portfolio is something all Harnham candidates are well versed in.
AIRB
MODELLING
Advanced Internal Ratings-Based Modelling (AIRB) refers to a set of Credit Risk measurement techniques which has allowed banks to develop models which can help them quantify the required capital for Credit Risk.
The development of PD, EAD and LGD models within the banking sector is a very important, but also very niche, skillset into which Harnham has focused on sourcing, understanding, and assessing both candidate abilities and client needs.Â
FRAUD
ANALYST
Fraud Analytics is an essential part of any business when it comes to profit and loss. To mitigate risk, our clients work to understand the drivers of fraud and its ultimate prevention through analytics.
Predicting future areas of fraud, mitigating risk, and protecting their clients and customers without damaging the accessibility and success of their products and services, is a key advantage to any business.
JOBS
LATEST RISK &
FRAUD OPPORTUNITIES
Harnham are a specialist Data & AI recruitment business with teams that only focus on niche areas.
Principal, Credit Risk Analytics
London
£90000 - £120000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Principal, Credit Risk Analytics
London | 90-120k
An excellent opportunity for a senior Credit Risk Analytics professional to take ownership of complex consulting engagements across the UK lending market. You will combine technical credit risk expertise with project leadership, client management, and commercial responsibility.
The Company
They are a specialist consultancy working with a vast number of businesses on complex analytical and strategic challenges. Their team combines advanced credit risk analytics with commercial advisory expertise. This role offers significant scope to influence both client outcomes and the development of the consulting practice.
The Role
You will:
- Lead multiple credit risk and analytics engagements across consumer and SME lending.
- Own projects from scoping and methodology through to final client delivery.
- Lead analytical teams while remaining close to the technical work.
- Gain exposure across a number of projects, including scorecard modelling, forecasting, portfolio analytics, and credit strategy.
- Build and manage senior client relationships.
- Translate complex analysis into clear commercial recommendations.
- Mentor team members and strengthen technical and delivery capability.
Your Skills & Experience
- Strong UK consumer or SME credit risk analytics experience.
- Extensive knowledge of lending portfolio and customer behaviour analysis.
- Expertise across relevant areas such as scorecards, machine learning, forecasting, strategy development, provisioning, or capital modelling.
- Experience leading analytical teams and delivering complex projects.
- Advanced Python, SAS, or SQL capability, with Python highly desirable.
- Excellent client communication and stakeholder management skills.
- Consultancy experience would be advantageous.
- A 2:1 or above in a numerate degree.
What They Offer
- Competitive salary dependent on experience.
- Senior ownership of high-impact analytical projects.
- Exposure to complex credit risk challenges across the lending market.
- The opportunity to develop client relationships and influence business growth.
- Clear scope for continued leadership and professional development.
- Additional benefits discussed during the process.
How to Apply
Apply now by clicking the link.

To Apply for this Job Click Here
Senior Risk Analyst
Birmingham
£45000 - £57000
+ Risk Analytics
PermanentBirmingham, West Midlands
To Apply for this Job Click Here
Senior Risk Analyst
West Midlands | £45,000 to £57,000
An opportunity for a Senior Risk Analyst to join a technically focused credit risk team, using data, coding and analytics to shape lending strategies. This role offers more technical exposure than a traditional banking risk position and would suit someone keen to explore how AI and emerging analytical tools can improve the way they work.
The Company
They are an established financial services organisation with a strong focus on data-led credit risk management. Their risk function combines commercial decision-making with hands-on analytics and coding. You will work across consumer lending portfolios in an environment that encourages new ideas, technical development and continuous improvement.
The Role
- Develop and optimise acquisition and customer management credit risk strategies.
- Analyse portfolio performance and identify emerging trends and risks.
- Use SAS, SQL or Python to interrogate data and deliver analytical insights.
- Support scorecards, policy rules, pricing, affordability and limit strategies.
- Present recommendations and insights to senior stakeholders.
- Support and develop junior analysts.
Your Skills & Experience
- Strong experience within consumer credit risk analytics.
- Coding experience using SAS, SQL or Python.
- Strong analytical and statistical skills.
- Knowledge of the credit lifecycle and consumer lending products.
- Experience with modelling, forecasting, pricing or affordability is beneficial.
- Enthusiasm for AI tools, automation and new ways of enhancing analytical work.
What They Offer
£45,000 to £57,000 salary.
Hybrid working, 3 days per week.
A more technical environment than a typical banking risk role.
Exposure to senior stakeholders and strategic credit decisions.
Opportunities to develop your technical and leadership skills.
How to Apply
Apply by clicking the link below.

To Apply for this Job Click Here
Senior Credit Risk Manager
London
£110000 - £110000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR CREDIT RISK MANAGER
LONDON | UP TO £110,000
This is a unique opportunity to join a growing FinTech lender in a highly strategic credit role. You will take ownership of innovative lending and pricing initiatives, helping to shape the future direction of the business while driving sustainable growth and improving portfolio performance.
THE COMPANY
They are an established FinTech operating within the unsecured consumer lending market. The business is entering an exciting growth phase and is investing heavily in the evolution of its credit capabilities.
With strong foundations already in place across credit operations and risk management, they are focused on developing new lending strategies, enhancing pricing sophistication, and creating long-term competitive advantages through innovation.
THE ROLE
* Lead strategic credit risk and lending initiatives from concept through to implementation and measurable business impact
* Develop innovative credit and pricing strategies to support growth while maintaining strong portfolio performance
* Identify new customer segments, lending propositions, and acquisition opportunities
* Evaluate commercial opportunities across customer lifecycle management, re-lending, and portfolio expansion
* Build business cases and assess the commercial viability of new initiatives
* Partner closely with Credit Risk, Commercial, Product, Finance, and Operations teams to drive delivery
* Support the development of advanced and more personalised lending and pricing capabilities
* Take ownership of projects through implementation and successful transition into business-as-usual processes
YOUR SKILLS & EXPERIENCE
* Strong commercial experience within consumer lending, credit risk, credit strategy, or pricing strategy
* Experience working within FinTech or an entrepreneurial lending environment is essential
* Proven ability to deliver strategic credit initiatives that balance growth and risk objectives
* Advanced SQL skills
* Python experience or a willingness to further develop Python capabilities
* Strong commercial and stakeholder management skills
* Comfortable operating as a hands-on individual contributor with a high level of ownership
* Ability to challenge existing approaches and bring innovative ideas to complex business problems
WHAT THEY OFFER
* Salary up to £110,000
* Hybrid working model with 3-4 days per week in the London office
* Significant ownership and visibility across senior leadership
* Opportunity to shape credit strategy, pricing strategy, and new lending capabilities
* Exposure to high-impact transformation and innovation projects
* Clear progression opportunities within a growing FinTech business
* Collaborative environment that encourages experimentation, innovation, and commercial thinking
HOW TO APPLY
Please register your interest by sending your CV through the Apply link.

To Apply for this Job Click Here
Senior Credit Risk Analyst
£57000 - £57000
+ Risk Analytics
PermanentWest Midlands
To Apply for this Job Click Here
SENIOR CREDIT RISK ANALYST
BIRMINGHAM | UP TO £57,000 + BONUS + BENEFITS
This is an exciting opportunity to join a fast-growing consumer finance business in a highly visible credit risk role. You will play a key part in shaping credit strategy for a major new lending proposition, working with large-scale datasets and helping drive commercial growth while maintaining strong risk performance.
THE COMPANY
They are a well-established consumer finance lender operating in a fast-paced, technology-driven environment. Combining the agility of a FinTech with the stability and resources of a larger financial services group, they continue to invest heavily in their credit analytics and decisioning capabilities.
The business is launching a significant new lending partnership, creating a unique opportunity to influence strategy from an early stage and work with a wide range of internal, external, and alternative data sources.
THE ROLE
* Develop and optimise acquisition and customer management credit strategies
* Design and implement policy rules, credit limits, pricing strategies, and affordability frameworks
* Utilise bureau, internal, and alternative data sources to drive lending decisions
* Monitor portfolio performance and identify opportunities to enhance strategy effectiveness
* Present recommendations and strategy changes to senior stakeholders and governance forums
* Support onboarding strategy development for new lending propositions
* Balance commercial growth objectives with regulatory and consumer duty requirements
* Assess the impact of economic and market trends on portfolio performance
YOUR SKILLS & EXPERIENCE
* Strong experience within consumer lending credit risk, credit strategy, or risk analytics
* Experience developing acquisition, underwriting, or customer management strategies
* Knowledge of credit policy rules, scorecards, pricing, limits, or affordability modelling
* Strong SQL, SAS, or Python skills
* Ability to work with large datasets and translate analysis into commercial recommendations
* Excellent stakeholder management and communication skills
* Understanding of credit bureau data and the wider credit lifecycle
* Experience within unsecured lending, retail finance, consumer finance, loans, or cards is advantageous
WHAT THEY OFFER
* Salary up to £57,000 depending on experience
* Annual bonus scheme
* Competitive benefits package
* Hybrid working arrangement
* Opportunity to work on a high-profile new lending proposition
* Exposure to senior stakeholders and risk committees
* Fast-paced environment where new ideas can quickly translate into strategy changes
* Strong learning and development opportunities within a collaborative team
* Clear progression pathways within a growing risk function
HOW TO APPLY
Please register your interest by sending your CV through the Apply link.

To Apply for this Job Click Here
Senior Credit Risk Manager
London
£110000 - £110000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR CREDIT RISK MANAGER
London | 110k
This is an opportunity for a commercially minded credit professional to take ownership of high-impact lending innovation within an established FinTech environment. You will have the autonomy to develop new ideas, build the commercial case and take initiatives from concept through to measurable impact.
THE COMPANY
They are an established UK FinTech operating within the consumer lending space. With a strong existing credit operation and significant investment behind their innovation agenda, they are looking to build new capabilities that enhance both customer and commercial outcomes.
You will join an environment that values experimentation, ownership and evidence-led decision-making.
THE ROLE
As Senior Credit Risk Manager, you will focus on transformational credit and lending initiatives rather than day-to-day portfolio management.
You will:
- Identify and own new lending initiatives that deliver meaningful customer and commercial value.
- Develop new customer segments, distribution channels and lending propositions.
- Explore opportunities across areas such as cross-sell, re-lending and existing customer value.
- Build new credit strategies and capabilities.
- Own initiatives from initial concept through strategy, pricing, credit approach, launch and handover.
- Use data to build value cases and assess commercial opportunities.
- Make informed decisions across credit risk, pricing and distribution.
- Partner with Credit Risk, Product, Commercial, Finance and Operations to deliver initiatives successfully.
- Remain accountable for performance and measurable impact after launch.
YOUR SKILLS & EXPERIENCE
- Strong commercial experience within FinTech, ideally consumer lending, credit or a closely related environment.
- Strong credit risk knowledge combined with the ability to think beyond traditional credit management.
- Strong SQL skills are essential.
- Python experience is beneficial.
- Experience developing and delivering new credit, lending or commercial initiatives.
- Ability to translate data and analysis into commercial decisions.
- Confidence working independently and taking end-to-end ownership.
- Strong stakeholder management skills with the ability to influence and coach cross-functional colleagues.
- A practical approach to experimentation, iteration and problem-solving.
WHAT THEY OFFER
- Competitive salary dependent on experience.
- Significant autonomy and ownership over high-impact lending initiatives.
- Exposure to senior leadership and cross-functional decision-making.
- The opportunity to influence the future direction of credit and lending strategy.
- Scope to develop new capabilities from initial idea through to proven commercial impact.
HOW TO APPLY
If you are a hands-on credit or lending professional, apply today through Harnham.

To Apply for this Job Click Here
Senior Credit Risk Analyst
London
£75000 - £75000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
SENIOR CREDIT RISK ANALYST
LONDON | UP TO £75,000 + 10% BONUS + 7% MATCHED PENSION
This is an exciting opportunity to join a growing consumer lender that combines the pace and innovation of a fintech with an established lending business. Having recently strengthened their analytics leadership team, they are investing heavily in their credit capability and expanding their lending operation.
THE COMPANY
They are a consumer lending business with a strong focus on using technology and data to improve customer outcomes. Following a period of significant growth, they continue to invest across their products and analytics functions. They are also embracing AI across the organisation, encouraging analysts to leverage emerging tools to enhance insight generation, improve efficiency, and support smarter business decisions.
THE ROLE
- Support the development and optimisation of lending strategies across the loans portfolio, with some exposure to cards
- Own affordability analysis and contribute to income verification and customer assessment strategies
- Recommend changes to credit policies, cut-offs, and decisioning strategies
- Monitor portfolio performance and identify opportunities to improve risk and commercial outcomes
- Use data and AI-driven tools to generate insights and support decision-making
YOUR SKILLS & EXPERIENCE
- Strong experience within consumer lending credit risk, ideally across personal loans, credit cards, or other retail lending products
- Experience developing and implementing credit strategies across acquisitions, customer management, or underwriting
- Strong understanding of affordability assessments, income verification, and lending decisioning processes
- Strong SQL or comparable coding skills, with the ability to extract and analyse large datasets
- Interest in applying AI tools to analytical workflows
- Degree in a numerate discipline is advantageous
WHAT THEY OFFER
- Salary up to £75,000
- Annual bonus averaging 10%
- 7% matched pension contribution
- Hybrid working with three days per week in the London office
- Exposure to a growing and evolving lending business
- Strong learning and development opportunities within an expanding analytics team
HOW TO APPLY
Please submit your CV through the Apply link to register your interest.

To Apply for this Job Click Here
Senior Credit Risk Manager
London
£100000 - £110000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Credit Risk Manager
Up to £110,000
London (3 days a week in office)
This is a rare opportunity to join a high-growth consumer lending business in a role focused on innovation, transformation, and the development of new lending capabilities. Rather than maintaining existing credit processes, you will have the autonomy to identify, build, and deliver initiatives that create meaningful commercial impact and enhance customer outcomes.
THE COMPANY
They are a well-established financial services organisation operating within the consumer lending space. With strong foundations already in place across credit risk and lending operations, they are investing heavily in the future of their credit function. Their focus is on innovation, customer value, and developing new ways to approach lending, pricing, and customer engagement. You will join a collaborative environment where new ideas are encouraged, tested, and brought to life.
THE ROLE
As a Senior Credit Risk Manager, you will take ownership of high-impact initiatives from concept through to delivery and measurable business outcomes.
Specifically, you can expect to be involved in the following:
- Identifying and delivering new lending, credit, and customer growth initiatives
- Developing new customer segments, lending propositions, and distribution opportunities
- Exploring cross-sell, retention, and customer value enhancement strategies
- Building and implementing innovative credit capabilities and lending strategies
- Assessing commercial opportunities and developing robust business cases
- Using data to evaluate performance, guide decision-making, and quantify impact
- Working closely with Credit Risk, Product, Finance, Commercial, and Operations teams
- Managing initiatives through strategy, execution, launch, and operational handover
- Influencing stakeholders across the business and driving adoption of new approaches
SKILLS AND EXPERIENCE
The successful Senior Credit Risk Manager will have the following skills and experience:
- Strong commercial experience within Credit Risk, Lending, or a related analytical function
- Experience working in a fintech, consumer lending, or fast-paced financial services environment
- Advanced SQL skills and confidence working directly with data
- Python experience is advantageous
- Ability to develop and deliver new ideas rather than solely managing existing processes
- Strong understanding of credit strategy, lending decisioning, pricing, and risk management
- Excellent stakeholder engagement and influencing skills
- A proactive, ownership-oriented approach with the ability to lead initiatives independently
- Comfortable operating in a hands-on individual contributor role
BENEFITS
The successful Senior Credit Risk Manager will receive the following benefits:
- Salary up to £110,000 – depending on experience
HOW TO APPLY
Please register your interest by sending your resume to Majid Latif via the Apply link on this page.

To Apply for this Job Click Here
Senior Credit Risk Manager 201660
City of London
£100000 - £110000
+ Risk Analytics
PermanentCity of London, London
To Apply for this Job Click Here
Senior Credit Risk Manager
London, hybrid | Salary up to £110,000
This is an opportunity to step away from traditional credit risk responsibilities and take ownership of high-impact lending initiatives. You’ll play a key role in shaping new products, customer strategies, and lending capabilities within a fast-paced FinTech environment.
The Company
They are an established FinTech business operating within consumer lending, with a strong foundation in credit risk and lending operations. Having built a successful core business, they are now investing in innovation and transformation to develop new lending capabilities and unlock future growth.
The organisation offers a collaborative environment where ideas are encouraged, experimentation is supported, and individuals have the autonomy to drive meaningful change. This is a hands-on business where ownership and commercial impact are highly valued.
The Role
As a Senior Credit Risk Manager, you will be responsible for identifying, developing, and delivering strategic initiatives that enhance lending performance and create new opportunities for growth.
Key responsibilities include:
- Developing new lending propositions, customer segments, and distribution channels
- Building and implementing innovative credit strategies and capabilities
- Identifying opportunities to increase customer value through cross-sell and re-lending initiatives
- Owning projects from concept through to implementation and operational handover
- Assessing commercial viability through analysis, modelling, and performance tracking
- Collaborating with Product, Commercial, Finance, Operations, and Risk teams to deliver business outcomes
- Influencing stakeholders and driving initiatives without direct management responsibility
- Taking accountability for measurable business impact and long-term success
Your Skills & Experience
- Strong credit risk experience within a FinTech, consumer lending, or related lending environment
- Advanced SQL skills and the ability to work independently with data
- Python experience is desirable
- Strong understanding of credit strategy, pricing, and lending economics
- Experience developing new products, propositions, or lending initiatives
- Commercially focused with the ability to evaluate opportunities and make data-driven decisions
- Comfortable operating as an individual contributor and leading through influence
- Strong stakeholder management and communication skills
- A proactive mindset with a passion for innovation and continuous improvement
What They Offer
- High-visibility role with direct exposure to senior leadership
- Opportunity to shape lending strategy and business growth
- Significant ownership and autonomy
- Collaborative and entrepreneurial working culture
- Clear opportunity to deliver measurable commercial impact
- Exposure to a broad range of strategic, product, and credit initiatives
How to Apply
If you’re a commercially minded credit risk professional who enjoys building new solutions and driving innovation within lending, apply today to discuss this opportunity in more detail.

To Apply for this Job Click Here
Principal Analytics Consultant
London
£90000 - £120000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
PRINCIPAL CONSULTANT, CREDIT RISK & ANALYTICS
LONDON | £90,000 – £120,000 + BONUS + BENEFITS
This is an exciting opportunity to join a specialist financial services consultancy in a senior leadership role. You’ll lead high-profile credit risk and analytics engagements and play a key role in growing both the team and the wider practice.
THE COMPANY
They are an established consultancy specialising in risk, analytics, and data-driven decision making across financial services. Working with a broad range of lending and financial services clients, they deliver high-impact projects spanning risk modelling, portfolio analytics, forecasting, and business strategy.
THE ROLE
* Gain exposure with key stakeholders while also retaining ownership of project delivery
* Manage projects end to end across credit risk modelling, forecasting, portfolio analytics, and strategy development
* Opportunity to contribute to overall business management
* Mentor and develop consultants and analysts across the team
* Contribute to the growth and strategic direction of the wider business
YOUR SKILLS & EXPERIENCE
* Strong commercial experience within credit risk analytics, consumer lending, or SME lending
* Deep expertise in credit risk modelling, customer analytics, forecasting, portfolio analysis, or risk strategy
* Proven experience managing analytical projects and leading teams
* Strong technical skills in SQL, SAS, or Python
– Excellent communication skills with the ability to translate analytical insights into commercial recommendations
* Previous consulting experience is beneficial but not essential
WHAT THEY OFFER
* £90,000 – £120,000 base salary depending on experience
* Annual bonus scheme
* Contributory pension
* Hybrid working model
* Exposure to a diverse range of high-impact client projects
* Clear progression opportunities within a growing consultancy
* Collaborative and supportive culture with a strong focus on professional development
HOW TO APPLY
Please register your interest by sending your CV through the Apply link.

To Apply for this Job Click Here
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