Overview
Lead Credit Analyst - Waterloo, London (Hybrid)
Reports to: Product Strategy Manager
A rapidly growing credit, analytics, and technology business in London is seeking a Lead Credit Analyst. This role is suited to someone who thrives in a fast-paced, scale-up environment and enjoys working across credit, data, and strategy to deliver impact.
Responsibilities
* As Lead Credit Analyst, you will be at the heart of the credit strategy, directly influencing product performance and company growth. You will:
* Credit Policy & Pricing - Build and optimise financial models to guide credit policy and pricing decisions
* Forecasting & Monitoring - Enhance forecasting techniques, monitor portfolio performance, and analyse funnel metrics
* Market & Competitor Insight - Stay ahead of borrower behaviour, economic trends, competitor activity, and regulatory shifts
* Cross-functional Problem Solving - Work closely with data science, commercial teams, and senior leadership to solve complex challenges and design scalable solutions
This is a highly visible role, with direct exposure to C-level leaders and product P&L.
What’s Required
* Experience
* Background in credit analysis for personal loans, credit cards, or other unsecured lending
* Proven track record of working with credit algorithms, policy design, and performance analysis
* Skills
* Advanced financial modelling & valuations
* Strong coding/data capability (SQL / Python / SAS)
* Deep understanding of lending economics and risk-return dynamics
* Attributes
* Naturally curious, analytical thinker who loves problem-solving
* Pragmatic, accountable, and commercially minded
* Comfortable rolling up your sleeves and digging into the detail
* Collaborative, humble, and open to feedback - thrives in a scale-up culture
Why Apply?
This isn’t a role where you’re a small cog in a big machine, you will have a seat at the table, real responsibility, and the chance to shape credit strategy in a growing, well-backed financial group.
If you are a data-driven credit specialist who wants to combine analytical depth with commercial impact, this opportunity offers both challenge and reward.
#J-18808-Ljbffr