Risk Data Analyst
UK Visa Sponsorship Analytics
Analytics are greyed out due to low classification confidence (50.0%).
Occupation Type
Management consultants and business analysts
Occupation Code Skill LevelHigher Skilled
Sponsorship Salary Threshold
£50,200
(£25.74 per hour)
Occupation rate applies
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Description
About Abound
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
The Role
We are hiring a Credit Risk Analyst to be the deep, hands-on analytical engine within our Credit Risk & Reporting team.
Reporting to the Head of Credit Risk & Reporting, this role is responsible for owning the detail behind our credit risk management information (MI). You will be immersed in the data — building and interrogating SQL queries, developing and maintaining dashboards (e.g. QuickSight), and translating raw performance metrics into clear, actionable insights.
You will work closely with the Head of Credit Risk & Reporting and the CRO to ensure portfolio performance, triggers, concentrations, and product-level risks are well understood, well monitored, and clearly articulated. This role is central to forming the credit risk narrative that supports internal governance and external stakeholders.
Key Responsibilities
We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation.
And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch.
Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us.
The Role
We are hiring a Credit Risk Analyst to be the deep, hands-on analytical engine within our Credit Risk & Reporting team.
Reporting to the Head of Credit Risk & Reporting, this role is responsible for owning the detail behind our credit risk management information (MI). You will be immersed in the data — building and interrogating SQL queries, developing and maintaining dashboards (e.g. QuickSight), and translating raw performance metrics into clear, actionable insights.
You will work closely with the Head of Credit Risk & Reporting and the CRO to ensure portfolio performance, triggers, concentrations, and product-level risks are well understood, well monitored, and clearly articulated. This role is central to forming the credit risk narrative that supports internal governance and external stakeholders.
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 (e.g. QuickSight) 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 arising from funding arrangements.
- Provide deep-dive analysis to answer complex or ad hoc questions from the Head of Credit Risk & Reporting, CRO, Product teams, auditors and funders.
- 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 and explain portfolio dynamics.
- Contribute to audits, due diligence processes, and external reporting by ensuring data accuracy and analytical robustness.
- A hands-on, detail-oriented credit risk analyst who enjoys working directly in the data.
- Highly numerate, structured, and intellectually rigorous.
- Comfortable owning both the accuracy of numbers and the interpretation behind them.
- Curious and proactive — you don’t just report metrics, you interrogate them with on a visceral feel for the data.
- Able to translate complex analysis into clear, commercially relevant insights.
- Comfortable working closely with senior stakeholders while maintaining analytical independence.
- 1 - 2 years’ experience in credit risk, portfolio analytics, or a similar analytical role, or equivalent experience through studies.
- Strong SQL skills and experience working directly 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.
- Work at the heart of a fast-scaling credit business with market-leading performance.
- Play a visible role in shaping risk appetite and product decisions.
- Collaborate closely with the Head of Credit Risk & Reporting and the CRO.
- Operate in a high-ownership environment where analytical rigor truly matters.
- 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 – set up a yoga class, a tennis lesson or go bouldering.