Analyse & Interpret: Perform ad hoc analysis on lending portfolio performance, customer behaviour, credit risk drivers, and product outcomes.
Build & Report: Design, build, and maintain management dashboards, recurring performance reports, and KPI tracking to support day-to-day and strategic decision-making.
Cohort & Valuation Analysis: Conduct cohort analysis to inform valuation, product development, and credit strategy, helping the business understand performance over time.
Identify Risks & Opportunities: Proactively identify trends, emerging risks, and growth opportunities using data-driven insights and clear analytical reasoning.
Support Strategic Decisions: Deliver deep-dive analysis for strategic initiatives, presenting findings clearly and concisely to senior stakeholders.
Collaborate Cross-Functionally: Work closely with decision science, underwriting, finance, product, and commercial teams to translate analytical insights into concrete business actions.
Compliance: Ensure all analysis and reporting aligns with internal standards and regulatory requirements, including FCA and CONC guidelines.

Strong technical expertise in SQL and Python
Experience within UK consumer lending, fintech, or broader financial services
Proven ability to conduct cohort analysis and support valuation or financial modelling for strategic decision-making
Solid understanding of credit portfolio KPIs, risk metrics, and lending performance drivers across the credit lifecycle
Hands-on experience with credit bureau data and internal credit performance datasets
Skilled at translating complex data into actionable insights for senior stakeholders

Credit Data Analyst

Key skills