Lead Credit Analyst

OverviewLead Credit Analyst - Waterloo, London (Hybrid)

Reports to: Product Strategy Manager

A rapidly growing credit, analytics, and technology business in London is seeking a Lead Credit Analyst. This role is suited to someone who thrives in a fast-paced, scale-up environment and enjoys working across credit, data, and strategy to deliver impact.

Responsibilities

As Lead Credit Analyst, you will be at the heart of the credit strategy, directly influencing product performance and company growth. You will:

Credit Policy and Pricing - Build and optimise financial models to guide credit policy and pricing decisions

Forecasting and Monitoring - Enhance forecasting techniques, monitor portfolio performance, and analyse funnel metrics

Market and Competitor Insight - Stay ahead of borrower behaviour, economic trends, competitor activity, and regulatory shifts

Cross-functional Problem Solving - Work closely with data science, commercial teams, and senior leadership to solve complex challenges and design scalable solutions

This is a highly visible role, with direct exposure to C-level leaders and product PandL.

What’s Required

Experience

Background in credit analysis for personal loans, credit cards, or other unsecured lending

Proven track record of working with credit algorithms, policy design, and performance analysis

Skills

Advanced financial modelling and valuations

Strong coding/data capability (SQL / Python / SAS)

Deep understanding of lending economics and risk-return dynamics

Attributes

Naturally curious, analytical thinker who loves problem-solving

Pragmatic, accountable, and commercially minded

Comfortable rolling up your sleeves and digging into the detail

Collaborative, humble, and open to feedback - thrives in a scale-up culture

Why Apply?This isn’t a role where you’re a small cog in a big machine, you will have a seat at the table, real responsibility, and the chance to shape credit strategy in a growing, well-backed financial group.

If you are a data-driven credit specialist who wants to combine analytical depth with commercial impact, this opportunity offers both challenge and ..... full job details .....