Credit Risk Modelling Analyst
Credit Control ~ Analyst
London
Credit Risk Modelling Analyst
London Office- Hybrid working
The Role
We’re looking for a Credit Risk Analyst to take ownership of how we understand, measure, and forecast customer defaults across our lending portfolio.
Key Accountabilities
- Maintain and enhance the firm’s default and delinquency monitoring
- Analyse how customers transition through risk states, identifying trends and drivers of early-stage arrears and defaults
- Develop, maintain, and interpret performance curves (e.g. vintages, cohort analyses, Month on Book curves) to understand changes in credit quality
- Produce clear, concise insight for senior stakeholders, turning complex analysis into actionable recommendations
- Support the development and refinement of credit strategies, including acquisition policy changes and behavioural risk management
- Work closely with data, product, and risk teams to shape how the business measures performance and exposure
- Assist in the design of portfolio health dashboards and risk MI, ensuring reliable and timely reporting
- Drive improvements in data quality, reporting consistency, and how the business records and interprets customer lifecycle events
Skills & Experience
- Proven experience in a credit, portfolio, or risk analytics role
- Strong understanding of consumer or commercial credit lifecycle, including arrears, roll rates, charge-off processes, and recoveries
- Hands-on analytical skills with the ability to work confidently with large datasets
- Proficiency in SQL for deep-dive investigations and building repeatable analysis
- Confidence with visualisation tools (e.g. Power BI / Tableau)
- Comfortable working with performance curves and diagnosing shifts in default behaviour
- Skilled in presenting complex findings to stakeholders, including non-technical audiences