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Credit Analyst - Fintech Consumer Lender

  • Location


  • Sector:

    Financial Services and Banking

  • Job type:


  • Contact:

    Jevon Barnes

  • Contact email:

  • Salary high:


  • Salary low:


  • Published:

    about 1 month ago

  • Expiry date:


Hamlyn Williams is partnered with a consumer lending fintech business, which is providing B2C credit solutions across all mainland Nordic regions. The business is currently scaling the credit and payments functions in order to further deliver against the demand of their product offerings. 

This fintech is very people-centric and prioritises finding both a skillset and cultural fit in their employees.

Key responsibilities:

  • Contribute to the development of credit risk underwriting policies for credit card portfolios
  • Perform analysis using industry-leading methods and apply a “test-and-learn” approach. 
  • Liaise with the Decision Science team on new Cards New Account Management scorecard builds and on the monitoring & regular validation of existing Cards New Account Management scorecards.  Raise any risks or issues relating to the fitness for use or accuracy of Cards New Account Management scorecards.
  • Collaborate with other teams; e.g. with the Finance function in order to calculate full P&L impacts of a given Credit Risk treatment, or operational teams who may be required to amend processes in line with Credit Risk analytical findings.
  • Respond to queries from stakeholders on matters relating to Credit Risk New Account Management strategies or performance. 
  • Deliver on agreed shared and functional targets and contribute to seamless collaboration across functions to secure delivery.
  • Execute analytical tasks with attention to detail. Manage expectations regarding timelines and expected challenges. Account for practical factors that may have an impact on analytical outcomes, e.g. operational issues or seasonality affecting performance data. Present it in a format proper for the audience.
  • Establish and maintain process knowledge, execute controls, proactively identify improvement areas and actively contribute to continuous improvement of processes.
  • Know your steering documents (policies, instructions etc.) and processes relevant for your role.
  • Monitor Credit Risk performance and provide regular commentary and insights to stakeholders on performance against expectations, trends and emerging risk/opportunities.
  • Work as part of a company community to deliver ongoing improvements in the way data is stored, used and made available across the organization.
  • Contribute to the Credit Risk control framework through documenting strategy/policy changes and operating controls as required.
  • Support Department Managers, Team Leaders and others with specialist knowledge and provide input to different development/improvement activities.
  • Establish and maintain process knowledge, execute controls, proactively identify improvement areas and actively contribute to continuous improvement of processes.
  • Contribute to the Credit Risk control framework, including through operating controls as required.
  • Contribute to the wider Credit Risk team and organization through proactively sharing best-practice, supporting colleagues in periods of stress, always communicating transparently and openly, and helping continue to make this fintech a fun place to work.
  • Ensure to always follow the established credit risk policies and operates within the credit risk framework and credit risk appetites.
  • Drive a culture of “zero tolerance” for non-compliance, and ensure all legal and regulatory requirements are fulfilled, implemented and followed.

Education & Experience

  • University graduates with no prior professional experience are accepted as candidates for Credit Risk E2 positions.
  • Experience of SAS or similar programming experience is preferred.
  • Experience in analytics in a Consumer Finance or similar environment is preferred.
  • A university degree in a numerate subject is preferred.

If you are a skilled analytics professional you can apply by:
Select the Apply button below or contact me directly.
If this role is of interest to you, or if you would like to explore other opportunities in the market, please reach out directly.