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Mid LevelFull-timeGoAIData
Salary Range
$60,563 - $81,938 /year
This salary is estimated based on similar roles. The actual salary may vary.
About the Role
We are looking for a Credit Risk Analyst to join Abound, a fintech company redefining consumer lending in the UK and beyond. This role will be the analytical engine within the Credit Risk & Reporting team, responsible for managing credit risk management information (MI) and translating raw performance metrics into actionable insights.
Key Responsibilities
- →Own the detailed production, validation, and enhancement of credit risk MI across products, channels, and geographies.
- →Write and optimise SQL queries to extract, reconcile, and analyse portfolio performance data.
- →Develop and maintain dashboards covering credit performance, arrears, defaults, roll rates, concentrations, and risk triggers.
- →Analyse performance trends and identify emerging risks, concentrations, or behavioural shifts.
- →Support monitoring of internally defined risk limits and externally defined triggers.
- →Provide deep-dive analysis to answer complex questions from senior stakeholders.
- →Generate actionable insights to inform product decisions, risk appetite calibration, and policy refinement.
- →Work closely with other data scientists to reconcile model outputs with realised performance.
- →Contribute to audits, due diligence processes, and external reporting.
Requirements
- ✓1-2 years’ experience in credit risk, portfolio analytics, or a similar analytical role.
- ✓Strong SQL skills and experience working with large datasets.
- ✓Experience building or maintaining dashboards (e.g. QuickSight, Tableau, Power BI, Looker).
- ✓Strong understanding of consumer credit performance metrics (arrears curves, roll rates, PD, loss rates, concentrations).
- ✓Experience across one or more lending products such as Unsecured Personal Loans (UPL), BNPL, Mortgages, or Auto finance is desirable.
- ✓Exposure to funding-related reporting, covenants, or performance triggers is a plus.
- ✓Comfortable working alongside data scientists and understanding model outputs.
Benefits
- ★Everyone owns a piece of the company – equity.
- ★Hybrid working with 3 days a week in the office.
- ★25 days’ holiday a year, plus 8 bank holidays.
- ★2 paid volunteering days per year.
- ★One month paid sabbatical after 4 years.
- ★Employee loan.
- ★Free gym membership.
- ★Team wellness budget to be active together.
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