Consumer Credit Risk Strategy Analyst (Fintech)

TL;DR

Consumer Credit Risk Strategy Analyst (Fintech): Assessing, monitoring, and optimising credit risk strategies for personal loans with an accent on portfolio analytics, underwriting criteria, and lending strategies. Focus on utilising statistical and machine learning techniques for data-driven risk assessment and improving financial health through smarter credit.

Location: Remote

Company

hirify.global is an award-winning, FCA-authorised, high-growth fintech based in London, revolutionising how people manage money and mainstream borrowings.

What you will do

• Conduct portfolio analytics to assess risk trends, customer behaviour, and loan performance.
• Analyse credit data, customer profiles, and market trends to enhance underwriting criteria.
• Optimise credit policies and improve lending strategies in collaboration with stakeholders.
• Utilise statistical and machine learning techniques for data-driven risk assessment methodologies.
• Monitor key performance indicators (KPIs) related to loan approvals, delinquencies, and charge-offs.

Requirements

• 3+ years of experience in a credit risk role, preferably within personal loans and debt consolidation in the UK.
• Strong understanding of credit scoring models, risk analytics, and lending strategies.
• Experience in working on UK credit bureau data and leveraging it for credit risk analysis.
• Proficiency in SQL and Python for data analysis and risk modeling.
• Experience working with decision engines and credit risk platforms.
• Strong analytical skills with the ability to translate data insights into business decisions.

Nice to have

• Experience in alternative data usage for credit risk evaluation.
• Familiarity with Open Banking and fintech lending platforms.
• Bachelor’s or Master’s degree in Finance, Statistics, Mathematics, Economics, or a related field.

Culture & Benefits

• Pension Plan
• Paid Time Off
• Work From Home
• Training & Development