Senior Credit Risk Analyst £60,000 – £80,000 up to 15% bonus London (Hybrid Working) An exciting opportunity has arisen at a fast-growing fintech firm specialising in embedded finance. This role offers the chance to work with high-profile global partners and play a key part in shaping credit risk strategy through data-driven insights and advanced analytics. The Company This award-winning fintech operates across the UK, EU, and US, empowering tech firms, payment platforms, and e-commerce leaders to offer flexible, branded financing to their merchant bases through a cutting-edge software. The Role Perform in-depth portfolio-level credit risk analysis using statistical methods and data modelling Monitor and evaluate customer segment performance to identify risk trends and opportunities Contribute to the design and enhancement of credit risk policies, pricing models, and underwriting strategies Generate actionable, data-led insights to support optimisation of risk-adjusted returns Collaborate cross-functionally with product, finance, compliance, and operations teams to align risk management with business strategy Your Skills and Experience Degree in Finance, Economics, Statistics, Mathematics or related field Proficiency in SQL Strong knowledge of credit risk concepts and metrics (PD, LGD, EAD) Demonstrated experience in credit risk analysis, ideally within fintech or lending Solid skills in data visualisation and presenting technical results to non-technical stakeholders Excellent attention to detail and analytical problem-solving Desirable Skills Experience in SME lending environments Familiarity with Python for data manipulation and modelling Salary & Benefits Base salary between £60,000 and £80,000 Annual bonus up to 15% Stock options Private medical insurance (Vitality) Enhanced maternity and paternity leave Employee Assistance Programme (EAP) Subsidised lunches and late-working Deliveroo allowance Free gym in office Monthly in-office massage therapist Regular team and company socials, including football league participation How to Apply To express interest in this opportunity, please submit your CV via the ‘Apply’ link.