We are seeking a talented **Senior** **Credit Risk Analyst** to join our growing credit risk analytics team. This role is specifically designed for professionals with minimum of 3 years of experience in the lending industry who are looking to develop their career in credit risk analytics and statistical modelling within the banking sector. **Please note: This position is for a** **Senior** **Credit Risk Analyst role focused on credit risk assessment and modelling, not financial analysis.** **About the Role** As a Senior Credit Risk Analyst, you will contribute to the development and enhancement of our credit risk analytics capabilities. This is an excellent opportunity for someone with a first experience in unsecured lending to get wider exposure and larger remit (affordability and underwriting scorecards and credit strategy, pricing and credit risk management) whilst working with cutting\-edge statistical models and data\-driven insights. You will have the opportunity to work in an pan\-European team and get exposure to credit risk analytics across our international markets including Baltic countries, Germany, Austria and other European markets. **Key Responsibilities** * **Data Analysis \& Insights:** Collect, analyse, and interpret data from multiple sources including internal systems and Credit Bureaus to identify trends, patterns, and opportunities that inform credit policy, credit limit and pricing strategies * **Model Development:** Contribute to developing and maintaining statistical models, including scorecards and other credit risk assessment tools * **Stakeholder Collaboration:** Provide clear, actionable insights and recommendations to stakeholders across the business, supporting informed decision\-making and business growth * **Cross\-functional Teamwork:** Work collaboratively with colleagues in the decision sciences and analytics team, as well as other departments across different locations * **Communication \& Reporting:** Present complex analytical findings to both technical and non\-technical audiences through clear presentations, reports, and data visualisations **Essential Requirements** **Education \& Experience:** * Bachelor's degree in Mathematics, Statistics, Economics, Physics, Computer Science, Engineering, or related quantitative discipline. A Master's degree is preferred. * Minimum of 3 years of experience in analytics, data science, data analysis, or lending/credit assessment within the financial services sector. * Previous experience working for an unsecured lender (bank, fintech, or similar credit provider). **Technical Skills:** * Strong analytical and problem\-solving abilities with excellent attention to detail * Proficiency in SQL for data extraction, manipulation, and analysis * Understanding of statistical analysis techniques and data modelling methodologies * Experience or strong interest in predictive modelling (logistic regression knowledge would be advantageous) **Professional Skills:** * Excellent written and verbal communication skills in English * Ability to translate complex data into clear, actionable business insights * Strong presentation skills with experience communicating to diverse audiences * Proven ability to work effectively in fast\-paced environments whilst managing multiple priorities **Desirable Requirements** * Programming experience in Python or R * Experience with data visualisation tools * Understanding of machine learning techniques applied to credit risk **What We Offer** * Competitive salary and benefits package * Opportunity to work with advanced analytics and statistical modelling techniques * Professional development and training opportunities * Collaborative, inclusive working environment * Flexible working arrangements * Career progression opportunities within our growing analytics function **Application Requirements** **Please note:** We are unable to provide visa sponsorship for this role. Candidates must have the right to work in the EU without requiring sponsorship.