Senior Business Analyst - Credit Risk

Location: Based in our Dalston office with flexibility to WFH

Contract: Permanent, full time (37.5hrs per week)

About us

Fair Finance is a social business with ambitious plans to revolutionise financial services to give everyone a fair chance. Our vision is to scale our alternative to the high-cost lending market and help reduce financial exclusion across the UK.

Over the last twenty years Fair Finance has helped over a hundred thousand people escape the clutches of high-cost money lenders, start businesses or avoid eviction. Our work has helped influence Government policy and legislation, as well as demonstrate how purpose and profit can work together to change the financial system for the better.

About the role

The Senior Business Analyst will play a pivotal role in shaping data-driven credit risk strategies and delivering insights that inform responsible lending decisions.

You will leverage your analytical expertise, credit risk knowledge, and Power BI proficiency to enhance our portfolio performance, credit models, and operational effectiveness.

Key Responsibilities

• Analyse credit risk performance across the enterprise’s personal loan portfolio using advanced data analytics tools and techniques.

• Develop, maintain, and automate Power BI dashboards and reports to monitor credit trends, default patterns, and risk exposure.

• Collaborate with credit policy, underwriting and marketing teams to refine scorecards, segmentation strategies, and affordability assessments.

• Translate business requirements into analytical solutions that support strategic objectives and regulatory compliance.

• Identify early warning indicators and recommend data-driven actions to mitigate emerging credit risks.

• Contribute to the development of credit risk models, stress testing, and scenario analyses to improve decision-making.

• Prepare and deliver clear presentations of insights to senior executives, board members, and external stakeholders.

• Support continuous improvement of data quality, governance, and analytical processes across the risk function.

This job description may be amended from time to time to reflect the changing needs of the business .

Skills and Experience

Essential:

• Proven experience as a Business Analyst or Data Analyst within consumer lending, retail banking, or fintech sectors.

• Strong understanding of credit risk principles, credit lifecycle management, and regulatory frameworks.

• Advanced proficiency in Power BI, SQL, and Excel for data analysis and visualisation.

• Experience with predictive modelling using statistical techniques.

• Exceptional problem-solving and critical-thinking skills, with the ability to translate complex data into actionable insights.

• Excellent communication and stakeholder management skills.

Desirable:

• Exposure to social impact or financial inclusion initiatives.

• Familiarity with Python, R, or other analytics tools.

• Experience with stress testing and machine learning models.

Why work for Fair Finance?

• Fair Finance is a social business with ambitious plans.

• We have demonstrated how purpose and profit can work together to change the financial system for the better.

• We believe in employing, growing and building around exceptional people who share our values.

• We have created an environment where you can genuinely put clients before profits and make a difference to our clients’ lives.

• We will provide you with a supportive workplace surrounded by peers who want you to do well, with responsibility to make a real difference in the organisation and the opportunity to thrive and make the role your own.

• We are a diverse organisation full of people who understand the balance between achieving business objectives and our social mission.

• Our Head Office is in a shared workspace in Dalston, housing creative businesses, social enterprises and charities.

• Hybrid working and work practice flexibility is offered.

Employee Benefits

• An additional paid day off for your birthday.

• Staff receive an additional 'WFH allowance' to allow even greater location flexibility.

• Private Health Insurance.

• Perkbox access for a wide range of discounts.

• Employee Assistance Programme (EAP).

• 3% matching contribution towards a stakeholder pension.