Senior Credit Analyst
Core
Define credit policy and underwriting strategy for a new second charge mortgage product, balancing risk, pricing, and growth.
Role type
Senior Credit & Commercial Manager (Secured Lending)
Builds
Second charge mortgage product (secured lending)
Domain
Fintech / Consumer Finance / Secured Lending
Deliverable
production ML models | product features
Required skills
Secured lending credit risk expertise, risk scoring and pricing, funding and capital constraints understanding, commercial awareness, end-to-end secured lending process knowledge, analytical rigour, regulatory awareness (MCOB/FCA), designing for scale and automation
Preferred skills
Loan servicing experience, broker distribution models, startup/scale-up environment experience, decisioning platforms or rules engines experience
Technologies
SQL, Python
Responsibilities
Define credit policy and underwriting strategy, own risk scoring and pricing models, drive growth while balancing risk, own IRR/NPV/cashflow models, design automated decisioning logic, inform funding strategy, monitor portfolio performance, collaborate cross-functionally
Seniority
Senior, hands-on IC