Credit Analyst

TL;DR

Credit Analyst (Unsecured Lending): Develop and optimize unsecured credit risk and pricing strategies for Personal Loans and Financial Health with an accent on credit underwriting improvements, credit model development, and data-led experimentation. Focus on monitoring strategy performance, translating data patterns into lending insights, and building dashboards/tables that enable rapid, profitable portfolio decisions.

Location: Cardiff, London or Remote (UK)

Salary: £59,100 to £79,900 + incentive awards tied to performance

Company

hirify.global builds modern banking products in the UK, including personal and business accounts and lending.

What you will do

• Improve credit underwriting, support growth, and manage portfolio risk through lending initiatives.
• Design and roll out lending strategies by finding patterns in data and turning them into actionable insights.
• Monitor existing strategy performance and iterate to improve outcomes.
• Develop, maintain, and monitor credit models to assess net present value of new lending cohorts.
• Build and maintain database tables and dashboards to support rapid, data-driven decision-making.
• Assess how lending portfolios for specific products will perform over time and support new product/customer journey rollouts.

Requirements

• Experience in unsecured retail lending (e.g., personal loans, credit cards, overdrafts, BNPL).
• Understanding of the unsecured retail lending market and how pricing dynamics impact portfolio performance.
• Knowledge of lending economics and experience developing and deploying underwriting strategies.
• SQL is required; Python and Looker experience are a plus.
• Working understanding of UK lending regulations.
• Ability to collaborate across engineering, marketing, product, risk, and control, with strong communication skills.

Nice to have

• Some experience in project management and coordination across teams.

Culture & Benefits

• Flexible working hours and trust-based approach to working enough hours to do the job well.
• Distributed working within the UK with ad hoc meetings in London; set up to work from home.
• Learning budget of £1,000 per year for books, training courses, and conferences.
• Macbooks provided; extra support for fully remote work-from-home setups.
• Visa sponsorship available.

Hiring process

• Recruiter call, then an initial call.
• Final stage with x3 interviews including a case study, a role-specific interview, and a collaboration interview.