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Posted 30 July, 2026

Credit Operations Analyst

Harnham - Data & Analytics Recruitment
London, ENG, GB Full Time

Job Description

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\n Credit Operations Analyst London\n
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\n £50,000 to £70,000\n
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\n This is an opportunity to join a growing, data-led financial services business where you will directly influence how credit decisions are made at scale. The role offers strong exposure across credit, data, and product, with a clear focus on automation and impact.\n
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\n The Company They are a fast-growing, technology-driven financial services organisation focused on improving how consumers manage their finances. The business takes a data-first approach, using modern tools and customer insights to inform decision-making. With continued growth and investment in their data capabilities, they are building out a high-performing analytics and credit function.\n
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\n The Role You will work at the intersection of credit risk, data, and decisioning, helping to improve and automate lending processes.\n
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  • Develop and enhance automated credit decisioning and underwriting logic
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  • Analyse lending performance and identify opportunities to improve accuracy and efficiency
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  • Collaborate with product, engineering, and credit teams to reduce manual processes
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  • Use customer and transactional data to inform lending decisions
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  • Support improvements in affordability assessment and decision frameworks
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  • Contribute to building a scalable, data-driven credit operation
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\n Your Skills & Experience\n
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  • Strong commercial experience in credit risk within a lending environment
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  • Experience working on underwriting, decisioning, or credit policy using data
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  • Strong SQL skills for data analysis and manipulation
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  • Ability to translate data insights into practical lending decisions
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  • Solid understanding of how credit decisions are made
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  • Exposure to affordability assessment or open banking data is beneficial
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\n What They Offer\n
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  • Salary between £50,000 and £70,000
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  • Share options
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  • Private medical insurance
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  • Statutory pension
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  • Opportunity to join a growing business with strong career development potential
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