Credit Risk & Lending Operations Analyst

Credit Risk & Lending Operations Analyst

• £48,000 salary
• 3-month maternity cover contract
• Fully remote within UK

We are partnering with a globally recognised fintech organisation that is transforming how small businesses access financial services. Their lending and risk team plays a critical role in helping businesses access capital while maintaining a strong and responsible risk framework.

We are seeking a Credit Risk & Lending Operations Analyst to join a high-performing team responsible for assessing business lending applications, monitoring customer portfolios and supporting lending decisions across the customer lifecycle.

Responsibilities

• Assess business lending applications for new and existing customers
• Analyse financial statements and supporting documentation
• Conduct customer investigations and gather additional information where required
• Monitor active lending portfolios and identify potential risks
• Support recovery and collections activities when necessary
• Partner with Risk, Legal and Compliance teams to ensure adherence to policy
• Collaborate with Sales and Account Management teams to support customer acquisition and retention
• Maintain accurate reporting and process documentation
• Identify opportunities to improve workflows, operational efficiency and customer experience

Requirements

• Minimum 2 years' experience within a financial institution, fintech, payments provider or lending organisation
• Experience performing credit assessments and underwriting decisions
• Strong financial analysis capability including review of financial statements
• Experience within commercial lending, SME lending, credit operations or risk operations
• Strong investigative and problem-solving skills
• Ability to manage multiple priorities within a fast-paced environment
• Excellent written and verbal communication skills
• Comfortable working cross-functionally with commercial and operational stakeholders

Preferred Experience

• Fintech or payments industry experience
• Commercial lending or business lending exposure
• Portfolio monitoring or collections experience
• Experience supporting SME customers

Next steps to apply

Apply now or email your CV direct for immediate review.