Credit Risk Analyst

You will be joining Updraft, an award-winning fintech company based in London with a vision to revolutionize the way people manage money. As a Retail Credit Risk Analyst, you will be responsible for assessing, monitoring, and optimizing credit risk strategies to ensure a balanced approach between risk management and business growth. **Key Responsibilities:** - 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. **Required Skills & Experience:** - 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 the 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. **Preferred Qualifications:** - Experience in alternative data usage for credit risk evaluation. - Familiarity with Open Banking and fintech lending platforms. - Bachelors or Masters degree in Finance, Statistics, Mathematics, Economics, or a related field. This is an exciting opportunity to join a high-growth fintech company that is well-recognized in the UK fintech ecosystem. Updraft offers benefits such as a Pension Plan, Paid Time Off, Work From Home option, and Training & Development opportunities.,