Credit Risk Analyst

Updraft. Helping you make changes that pay off.

• A 360 degree spending view across all your financial accounts (using Open banking)
• A free credit report with tips and guidance to help improve your credit score
• Native AI led personalised financial planning to help users manage money, pay off their debts and improve their credit scores
• Intelligent lending products to help reduce cost of credit
  

• 800k+ users of the mobile app that has helped users swap c £500 m of costly credit-card debt for smarter credit, putting hundreds of thousands on a path to better financial health
• The product is highly rated by our customers. We are rated 4.8 on Trustpilot, 4.8 on the Play Store, and 4.4 on the iOS Store
• We are selected for Technation Future Fifty 2025 - a program that recognizes and supports successful and innovative scaleups to IPOs - 30% of UK unicorns have come out of this program.
• Updraft once again featured on the Sifted 100 UK startups - among only 25 companies to have made the list over both years 2024 and 2025
  

• Conduct portfolio analytics to assess risk trends, customer behavior, and loan performance
• Analyze credit data, customer profiles, and market trends to enhance underwriting criteria
• Work closely with stakeholders to optimize credit policies and improve lending strategies
• Utilize statistical and machine learning techniques to support 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
• Relevant experience in working on UK credit bureau data and leveraging it for credit risk analysis
• Experience or familiarity with end-to-end life cycle of a retail loan portfolio
• 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
• Excellent communication and stakeholder management abilities
  

• 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
  

Benefits

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