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.