Credit Analyst

A fast-growing lending organisation is seeking a Credit Analyst to join its Credit & Risk function. This role is central to the assessment, governance, and responsible scaling of both consumer and business lending activity. You will contribute to the design of disciplined underwriting processes, support credit policy development, and help embed robust controls across the lending lifecycle.

This is a high-impact opportunity for someone with strong analytical skills who wants to shape the credit function within a modern, data-driven financial services environment.

The Role

The Credit Analyst will evaluate lending applications, guide the development of underwriting standards, and ensure credit decisions are well-documented, consistent, and aligned to risk appetite. Working closely with senior leaders, operations, product and technology teams, you will help build scalable systems, automated processes, and a strong governance framework that supports sustainable portfolio growth.

Key Responsibilities

Credit Analysis & Underwriting

• Assess consumer and business lending applications using financial, behavioural, and affordability data.
• Perform affordability checks, income verification, cash-flow analysis, and stress testing.
• Apply and refine credit policies and eligibility criteria.
• Produce clear, well-structured credit rationales suitable for internal review and regulatory expectations.

Automation, Data & AI-Driven Underwriting

• Support the creation of automated underwriting workflows.
• Work with product and engineering to translate credit policies into system-based rules and decision engines.
• Review automated and AI-supported outcomes to ensure consistency with risk appetite.
• Define controls, monitoring, and explainability requirements for automated credit decisions.

Policies, Governance & Controls

• Maintain updated credit policies, underwriting manuals, and procedural documentation.
• Support governance processes, internal reviews, and audit requests.
• Ensure customer journeys remain aligned with responsible lending principles.

Requirements

• Minimum 3 years' experience in credit analysis, underwriting, or credit risk.
• Strong understanding of UK consumer and SME lending, including affordability assessments.
• Knowledge of credit governance, documentation standards, and audit requirements.
• Exposure to automated or AI-supported underwriting environments.
• Strong analytical skills, attention to detail, and sound judgement.
• Confidence working with data, dashboards, and rule-based decisioning tools.

What's on Offer

• Competitive compensation package.
• An influential role in a fast-growth lending environment.
• Close collaboration with senior decision-makers and involvement in credit strategy.
• A high-accountability, intellectually rigorous workplace based in London.