Senior Credit Risk Analyst

We are delighted to be working exclusively with a confidential client - an innovative, technology-led business operating at the intersection of AI-driven underwriting, consumer lending, and risk management.

On their behalf, we are seeking a Senior Credit Risk Analyst to join a lean, high performing Risk Management team. This is a hands-on, high-ownership role that will suit an experienced credit risk professional who is ready to step away from a large, heavily structured environment and take on genuine analytical accountability - with direct visibility to senior leadership.

Our client is a specialist financial technology company whose core product suite includes an AI-powered underwriting and risk-based pricing platform, used by credit unions and lenders across the country. They hold established partnerships with major automotive lending institutions and in 2025 launched a new product line expanding into prime auto lending.

The Risk Management team is small by design - collaborative, technically rigorous, and highly effective. With three analysts currently in place, the team is split between front-end analytics covering origination and pricing, and back-end analytics focused on portfolio performance and profit share modelling.

What the Role Involves

• Monitoring and analyzing credit risk exposure across loan origination and portfolio performance

• Tracking approval rate drivers, flow metrics, and origination trends, reporting findings to senior leadership

• Building and maintaining performance models and profit share forecast models

• Conducting pricing analysis and optimization in close collaboration with the Actuarial & Decision Science team

• Developing and monitoring credit policies, procedures, and lending stipulations

• Assessing the impact of credit policy changes on loan volume and overall credit performance

• Using data mining and advanced analytical tools to quantify and mitigate credit risk

• Designing and executing ad hoc research projects from scoping through to executive-level presentation

• Communicating clearly and regularly with senior stakeholders on credit performance and origination trends

Essential Requirements

• 4 years of experience in credit risk analytics within consumer lending (secured or unsecured)

• Strong SQL capability with demonstrable experience querying large, multi-table datasets

• Proficiency in Python, SAS, or R for data mining and analysis (Python strongly preferred)

• Expert-level Microsoft Excel skills including complex workbook development and spreadsheet modelling

• Solid understanding of loan origination metrics and consumer lending portfolio dynamics

• Strong written and verbal communication skills — the ability to translate complex analysis into clear executive insight

• Highly organized, with proven ability to manage multiple workstreams under pressure and to deadline

• Collaborative and proactive in working with internal stakeholders

Desirable

• Background in larger corporate environments with a desire for greater ownership and autonomy

• Master's degree in Finance, Economics, Mathematics, Business, MIS, or a related quantitative field

• Familiarity with auto lending, structured risk products, or insurance-linked financial structures

Education

• Bachelor's degree in Finance, Economics, Mathematics, Business, MIS, or a related quantitative field — required

• Master's degree in a related field — preferred

Why This Opportunity Stands Out

• A highly differentiated product in the auto lending market — you will be working on something technically interesting and commercially significant

• A small team with a flat structure — your work will be seen, valued, and acted upon at the highest levels of the organization

• Flexible working arrangements with a collaborative, close-knit team culture

• Strong employer commitment to technical training and career development

• Excellent total compensation — competitive base with a meaningful and well-structured bonus scheme