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 trendsEssential 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 stakeholdersDesirable• 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 structuresEducation• Bachelor's degree in Finance, Economics, Mathematics, Business, MIS, or a related quantitative field — required• Master's degree in a related field — preferredWhy 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