Credit Risk Analyst

2 days ago

Bengaluru, India Updraft Full time
Updraft. Helping you make changes that pay off.

Updraft is an award winning, FCA-authorised, high-growth fintech based in London. Our vision is to revolutionise the way people spend and think about money, by automating the day to day decisions involved in managing money and mainstream borrowings like credit cards, overdrafts and other loans.

  • A 360 degree spending view across all your financial accounts (using Open banking)
  • A free credit report with tips and guidance to help improve your credit score
  • Native AI led personalised financial planning to help users manage money, pay off their debts and improve their credit scores.
  • Intelligent lending products to help reduce cost of credit

We have built scale and are getting well recognised in the UK fintech ecosystem.

  • 800k+ users of the mobile app that has helped users swap c £500 m of costly credit-card debt for smarter credit, putting hundreds of thousands on a path to better financial health
  • The product is highly rated by our customers. We are rated 4.8 on Trustpilot, 4.8 on the Play Store, and 4.4 on the iOS Store.
  • We are selected for Technation Future Fifty 2025  – a program that recognizes and supports successful and innovative scaleups to IPOs - 30% of UK unicorns have come out of this program.
  • Updraft once again featured on the Sifted 100 UK startups - among only 25 companies to have made the list over both years 2024 and 2025.

We are seeking a skilled Retail Credit Risk Analyst with 3+ years of experience in the UK credit markets, specifically within personal loans for debt consolidation. The successful candidate will play a critical role in assessing, monitoring, and optimising credit risk strategies to ensure a balanced approach between risk management and business growth.

Key Responsibilities:

  • Conduct portfolio analytics to assess risk trends, customer behavior, and loan performance.
  • Analyze credit data, customer profiles, and market trends to enhance underwriting criteria.
  • Work closely with stakeholders to optimize credit policies and improve lending strategies.
  • Utilize statistical and machine learning techniques to support data-driven risk assessment methodologies.
  • Monitor key performance indicators (KPIs) related to loan approvals, delinquencies, and charge-offs.

Requirements

Required Skills & Experience:

  • 3+ years of experience in a credit risk role, preferably within personal loans and debt consolidation in the UK.
  • Strong understanding of credit scoring models, risk analytics, and lending strategies.
  • Relevant experience in working on UK credit bureau data and leveraging it for credit risk analysis.
  • Experience or familiarity with end-to-end life cycle of a retail loan portfolio.
  • Proficiency in SQL and Python for data analysis and risk modeling.
  • Experience working with decision engines and credit risk platforms.
  • Strong analytical skills with the ability to translate data insights into business decisions.
  • Excellent communication and stakeholder management abilities.

Preferred Qualifications:

  • Experience in alternative data usage for credit risk evaluation.
  • Familiarity with Open Banking and fintech lending platforms.
  • Bachelor’s or Master’s degree in Finance, Statistics, Mathematics, Economics, or a related field.

Benefits

  • Pension Plan
  • Paid Time Off
  • Work From Home
  • Training & Development

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