Credit Strategy Analyst

updraft.com; City of London; On-site; GBP 50,000 - 70,000; Full time

Job summary

A high-growth fintech company is seeking a Consumer Credit Risk Strategy Analyst with over 3 years of experience in the UK credit markets. The role involves optimizing credit risk strategies and using data analysis to enhance lending processes. Ideal candidates should have strong skills in stakeholder management, risk analytics, and proficiency in SQL and Python. Benefits include a pension plan, paid time off, and opportunities for training & development.

Benefits

Pension Plan

Paid Time Off

Work From Home

Training & Development

Qualifications

• 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 and risk analytics.
• Proficiency in SQL and Python for data analysis.

Responsibilities

• Conduct portfolio analytics to assess risk trends and loan performance.
• Enhance underwriting criteria by analysing credit data.
• Optimise credit policies and improve lending strategies.

Skills

Credit risk analysis

Data analysis

Stakeholder management

Statistical analysis

Machine learning

SQL

Python

Education

Bachelor's or Master's degree in Finance, Statistics, Mathematics, Economics, or a related field

Job description

Updraft. Helping you make changes that pay off.
Updraft is an award winning, FCA-authorised, high-growth fintech based in London. Our vision is to revolutionise the way people spend and think about money, by automating the day‑to‑day decisions involved in managing money and mainstream borrowings like credit cards, overdrafts and other loans.

Our product features and achievements:

• 360° spending view across all financial accounts (using Open banking)
• Free credit report with tips and guidance to improve your credit score
• Native AI‑led personalised financial planning to help users manage money, pay off debts and improve their credit scores
• Intelligent lending products to reduce cost of credit
• 800k+ users of the mobile app that has helped users swap £500m of costly credit‑card debt for smarter credit, putting hundreds of thousands on a path to better financial health
• Product highly rated: 4.8 on Trustpilot, 4.8 on Play Store, 4.4 on iOS Store
• Selected for Technation Future Fifty 2025 – a program recognising successful scale‑ups to IPOs (30% of UK unicorns come from this program)
• Featured on the Sifted 100 UK start‑ups – one of only 25 companies to make the list in both 2024 and 2025

Position

Consumer Credit Risk Strategy Analyst

Job Summary

We are seeking a skilled Consumer Credit Risk Strategy Analyst with 3+ years of experience in the UK credit markets, specifically within personal loans for debt consolidation. The successful candidate will play a critical role in assessing, monitoring, and optimising credit risk strategies to ensure a balanced approach between risk management and business growth.

Key Responsibilities

• Conduct portfolio analytics to assess risk trends, customer behaviour, and loan performance
• Analyse credit data, customer profiles, and market trends to enhance underwriting criteria
• Work closely with stakeholders to optimise credit policies and improve lending strategies
• Utilise 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 the end‑to‑end life cycle of a retail loan portfolio
• Proficiency in SQL and Python for data analysis and risk modelling
• 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
• 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

Employment Details

• Seniority level: Associate
• Employment type: Full‑time
• Job function: Other
• Industry: IT Services and IT Consulting
• Location: London, England, United Kingdom