Overview

Lead 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 & Pricing - Build and optimise financial models to guide credit policy and pricing decisions
• Forecasting & Monitoring - Enhance forecasting techniques, monitor portfolio performance, and analyse funnel metrics
• Market & 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 P&L.

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 & 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 reward.