RISK ANALYTICS
FOCUS
We place talented analytical professionals into the Risk Analyst positions that come with so much responsibility.
We appreciate the importance of protecting the world’s interests and know the role that data has to play. Our dedicated Risk Analytics team fully understands risk analytics in finance and decision science, as well as the significance of knowing your market.
As within the world of Risk Analytics, the customers we work with differ by location, size and industry. We have experience across all the major marketplaces and can assist you, whether you are hiring to reinforce an existing presence or build a new one.
HOW WE
DO IT
To ensure effective, risk-free solutions for our clients and candidates, our recruitment solutions in this marketplace are determined by tried and tested methods.
We appreciate the importance of protecting the world’s interests and know the role that data has to play. Our dedicated Risk Analytics team fully understands risk analytics in finance and decision science, as well as the significance of knowing your market.
As within the world of Risk Analytics, the customers we work with differ by location, size and industry. We have experience across all the major marketplaces and can assist you, whether you are hiring to reinforce an existing presence or build a new one.
WHAT SETS
US APART?
Harnham appreciates the significant resources and sophisticated programs used to analyse and manage risk.
We are dedicated to the people who ensure banks and other financial institutions can identify, measure, monitor and control their credit risk.
We successfully recruit across the full spectrum of skill sets required to support this, from Customer Acquisition to Portfolio Management, Fraud Analytics to Collections & Recoveries, as well as Risk Audit to Credit Risk .
Whether you’re looking for a new opportunity or another team member, we can help you find your ideal solution.
As working from home becomes ever more common, you can now search Remote Risk Analytics Jobs.
DECISION
SCIENCE
Every aspect of business now benefits from the efficiencies that the extrapolation of insights from analytics can deliver.
The collaborative approach of Decision Science teams helps the decision-making process achieve far superior results than ever before. Combining mathematical equations, tech and behavioural sciences for the most informative insights is now standard and has seen the industry progress at a rapid rate.
PORTFOLIOÂ
ANALYST
Global risk and portfolio profiling help brands understand success across metrics such as currencies and economies. Understanding and increasing growth, as well as market share, through skilled optimisation, is a coveted skill set we hire for.
Strategic planning and stress testing to balance risk are paramount for the businesses we work with to maximise returns, and getting the most out of a portfolio is something all Harnham candidates are well versed in.
AIRB
MODELLING
Advanced Internal Ratings-Based Modelling (AIRB) refers to a set of Credit Risk measurement techniques which has allowed banks to develop models which can help them quantify the required capital for Credit Risk.
The development of PD, EAD and LGD models within the banking sector is a very important, but also very niche, skillset into which Harnham has focused on sourcing, understanding, and assessing both candidate abilities and client needs.Â
FRAUD
ANALYST
Fraud Analytics is an essential part of any business when it comes to profit and loss. To mitigate risk, our clients work to understand the drivers of fraud and its ultimate prevention through analytics.
Predicting future areas of fraud, mitigating risk, and protecting their clients and customers without damaging the accessibility and success of their products and services, is a key advantage to any business.
JOBS
LATEST RISK &
FRAUD OPPORTUNITIES
Harnham are a specialist Data & AI recruitment business with teams that only focus on niche areas.
Credit Operations Analyst
London
£50000 - £70000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Credit Operations Analyst
London
£50,000 to £70,000
This is an opportunity to join a growing, data-led financial services business where you will directly influence how credit decisions are made at scale. The role offers strong exposure across credit, data, and product, with a clear focus on automation and impact.
The Company
They are a fast-growing, technology-driven financial services organisation focused on improving how consumers manage their finances. The business takes a data-first approach, using modern tools and customer insights to inform decision-making. With continued growth and investment in their data capabilities, they are building out a high-performing analytics and credit function.
The Role
You will work at the intersection of credit risk, data, and decisioning, helping to improve and automate lending processes.
- Develop and enhance automated credit decisioning and underwriting logic
- Analyse lending performance and identify opportunities to improve accuracy and efficiency
- Collaborate with product, engineering, and credit teams to reduce manual processes
- Use customer and transactional data to inform lending decisions
- Support improvements in affordability assessment and decision frameworks
- Contribute to building a scalable, data-driven credit operation
Your Skills & Experience
- Strong commercial experience in credit risk within a lending environment
- Experience working on underwriting, decisioning, or credit policy using data
- Strong SQL skills for data analysis and manipulation
- Ability to translate data insights into practical lending decisions
- Solid understanding of how credit decisions are made
- Exposure to affordability assessment or open banking data is beneficial
What They Offer
- Salary between £50,000 and £70,000
- Share options
- Private medical insurance
- Statutory pension
- Opportunity to join a growing business with strong career development potential
To Apply for this Job Click Here
Senior Financial Crime Analyst
Blackburn with Darwen
£45000 - £50000
+ Risk Analytics
PermanentBlackburn with Darwen, Lancashire
To Apply for this Job Click Here
Role Title
Senior Fraud and Financial Crime Analyst
Salary
£45,000-£50,000
Location + work pattern
North West England (hybrid, typically 3 days in office)
Brief intro
Harnham are working with
THE COMPANY
This organisation operates within a regulated financial services environment and is undergoing rapid growth following recent expansion initiatives. With a strong focus on innovation in payments and customer experience, the business offers a dynamic setting where teams can make meaningful, tangible impact. The structure combines the stability of a regulated firm with the agility of a scaling function.
THE ROLE
This is a newly created position focusing on fraud analytics within a payments environment, supporting the rollout of a new credit card product. You will work closely with cross-functional teams to optimise fraud controls, monitor performance, and deliver actionable insights.
Specifically, you can expect to be involved in:
- Monitoring fraud trends, identifying emerging risks, and analysing transaction data
- Developing and optimising fraud rules, controls, and decisioning strategies
- Producing dashboards, reporting packs, and regulatory MI
- Supporting testing, validation, and implementation of fraud solutions
- Collaborating with product, operations, and compliance teams to enhance fraud strategy
YOUR SKILLS AND EXPERIENCE
- Experience working in card fraud or payments fraud analytics
- Strong understanding of card transactions, fraud risks, and relevant regulations
- Proficiency in SQL or Python for data analysis and insight generation
- Experience working with fraud decisioning or fraud prevention platforms
- Ability to translate complex data into clear, actionable insights
THE BENEFITS
- Strong opportunities for career progression and development
- Exposure to high-impact projects within a growing payments function
- Collaborative environment with cross-functional mobility
- Hybrid working model supporting flexibility
THE PROCESS
- Initial 30-minute video interview
- Final face-to-face interview including a competency and technical assessment
- Offer!
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Senior Credit Risk Analyst
London
£60000 - £100000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Credit Risk Analyst
London
£60,000 to £100,000
This is a high impact opportunity to shape credit strategy within a fast growing fintech environment. You will work with complex, real world datasets and have genuine ownership over lending decisions, contributing directly to the growth and evolution of a modern financial platform.
The Company
They are a scaling, venture backed fintech operating at the intersection of financial services and technology. The business partners with large organisations to deliver digital financial solutions to a broad user base, with a strong emphasis on accessibility and responsible lending. With continued investment and international expansion underway, they are building out their data and analytics capabilities to support growth. The environment is collaborative, fast paced, and focused on using data to drive better outcomes.
The Role
- Defining and optimising credit risk strategies across evolving lending products
- Using SQL driven analysis to extract insights from complex behavioural datasets
- Developing and refining affordability and risk policies
- Collaborating with cross functional teams to implement and scale strategies
- Monitoring performance and driving continuous improvement across the lending portfolio
- Contributing to the development of new products and credit capabilities
Your Skills and Experience
- Strong commercial experience in credit risk analytics or strategy within consumer lending
- Proven ability to translate data into actionable insights and strategy
- Advanced SQL skills, with Python as a desirable addition
- Experience within unsecured lending products such as personal loans or credit cards
- Ability to structure complex problems and communicate clearly with stakeholders
- FinTech experience is a plus
What They Offer
- Base salary up to £100,000, depending on experience
- Equity package with long term growth potential
- Hybrid working model with three days per week in the London office
- Comprehensive benefits including private healthcare and flexible benefits schemes
- Clear progression opportunities within a scaling data and risk function
To Apply for this Job Click Here
Senior Fraud Analyst
£40000 - £50000
+ Risk Analytics
PermanentLancashire
To Apply for this Job Click Here
Senior Fraud and Financial Crime Analyst
Lancashire
Up to £50,000
This is a high-impact opportunity to play a key role in the launch of a new credit card product within a growing financial services environment. You will be central to shaping fraud strategy from the ground up, using data and analytics to drive decision-making and optimise controls in a fast-paced, evolving setting.
The Company
They are a scaling financial services business operating within a wider consumer ecosystem, combining the agility of a newer entity with the backing of an established group. The organisation focuses on delivering flexible payment solutions and enhancing customer experience through innovation and data-led insight. With strong growth plans and ongoing investment, they offer a dynamic environment where you can make a tangible impact. Teams are empowered to take ownership, move quickly, and drive meaningful change.
The Role
- Analyse transaction data to identify fraud trends, anomalies, and risk drivers
- Develop and optimise fraud rules, controls, and decisioning strategies
- Produce dashboards and reporting to support governance, regulatory compliance, and commercial insight
- Support the launch and optimisation of a new credit card product
- Conduct detailed analysis across card transactions and emerging fraud typologies
- Test and validate fraud models, rules, and new solutions ahead of deployment
- Collaborate with product, technology, operations, and compliance teams to deliver fraud strategy
- Translate complex data into actionable insights that influence business decisions
Your Skills and Experience
- Strong commercial experience in card fraud analytics within a payments or financial services environment
- Solid understanding of card schemes, transaction lifecycles, and regulatory frameworks
- Advanced data analysis capability using SQL or Python
- Experience working with fraud rules, alerts, and optimisation strategies
- Familiarity with fraud platforms such as Featurespace, FICO, or similar tools
- Ability to interpret complex datasets and communicate insights clearly to stakeholders
- Proactive approach with a focus on problem-solving and continuous improvement
What They Offer
- Salary up to £50,000 plus a competitive benefits package
- Hybrid working with flexibility following the initial onboarding period
- Clear progression opportunities within a growing fraud and analytics function
- Exposure to major product launches and strategic initiatives
- Collaborative environment with strong internal mobility and development opportunities
To Apply for this Job Click Here
Lead Credit Risk Analyst
London
£80000 - £90000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
LEAD CREDIT RISK ANALYST
UP TO £80,000-£90,000 PLUS SHARES
LONDON
HYBRID WORKING (3 DAYS PER WEEK IN-OFFICE)
Shape the credit strategy behind a fast-growing fintech transforming how people access and manage financial products. In this lead role, you’ll use rich data to drive real lending decisions, influence product innovation, and deliver better outcomes for customers. It’s a chance to step into genuine ownership within a scaling, analytics-driven environment.
THE COMPANY
This organisation is a fast-scaling fintech business focused on delivering innovative financial products through employer partnerships. They leverage rich customer and transactional data to drive responsible lending, affordability, and financial insight solutions. With continued investment and growth, they are expanding their analytics capability to support new product development and international scaling.
THE ROLE
As a Lead Credit Risk Analyst, you will play a key role in shaping and optimising credit strategy across a growing unsecured lending portfolio. You will work closely with cross-functional teams to deliver data-driven decisions and improve risk performance.
Specifically, you can expect to be involved in the following:
- Defining and optimising credit strategies in line with commercial objectives
- Analysing data to generate insights and support key business decisions
- Partnering with product and engineering teams to implement strategies
- Monitoring performance and identifying opportunities to enhance credit outcomes
- Supporting the development of affordability and responsible lending policies
SKILLS AND EXPERIENCE
The successful Lead Credit Risk Analyst will have the following skills and experience:
- Strong SQL skills with the ability to work with large datasets
- Experience in credit risk analytics within a consumer lending environment
- Ability to translate complex data into clear, actionable insights
- Experience with unsecured lending products such as loans or credit cards
- Strong communication skills and ability to work with non-technical stakeholders
- Python experience is beneficial but not essential
BENEFITS
The successful Lead Credit Risk Analyst will receive a salary up to £80,000-£90,000 as well as shares in the company.
To Apply for this Job Click Here
Strategy Manager
London
£75000 - £90000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
STRATEGY MANAGER
UP TO £75,000-£90,000 PLUS BONUS
LONDON
HYBRID WORKING (3 DAYS PER WEEK IN-OFFICE)
Be part of a mission-driven business redefining how people access technology, using data and strategy to unlock smarter, more sustainable growth. You’ll play a key role in improving strategy while protecting the long-term health of the business.
THE COMPANY
A fast-growing, data-led scale-up operating within a highly competitive, consumer-focused digital marketplace. The business combines advanced analytics with a strong commercial focus to drive growth and decision-making, and is entering an exciting phase of expansion following recent investment. It offers a dynamic environment for individuals looking to make a measurable impact in a scaling organisation.
THE ROLE
This role sits within a high-performing strategy and analytics function, focused on improving approval rates while balancing risk and growth. You will lead data-driven initiatives that directly impact commercial performance across both consumer and business products.
Specifically, you can expect to be involved in the following:
- Leading strategic projects to optimise approval rates using advanced decisioning systems
- Using SQL and analytics to investigate performance drivers and identify opportunities for growth
- Designing scalable data frameworks and tracking systems to support decision-making
- Collaborating cross-functionally with product, engineering, marketing, and risk teams
- Enhancing decisioning logic and integrating new data sources to improve outcomes
SKILLS AND EXPERIENCE
The successful Strategy Manager will have the following skills and experience:
- Strong experience in analytics, strategy, or data-focused roles within a data-rich environment
- Advanced SQL skills with the ability to interrogate and manipulate complex data sets
- Proven ability to use data insights to solve business problems and support decision-making
- Experience working with multiple data sources and building scalable analytical solutions
- Strong communication skills, with the ability to explain technical insights to non-technical stakeholders
BENEFITS
The successful Strategy Manager will receive a salary up to £75,000-£90,000 as well as a comprehensive benefits package.
To Apply for this Job Click Here
Lead Credit Risk Analyst
£60000 - £66000
+ Risk Analytics
PermanentLeicestershire
To Apply for this Job Click Here
Role Title
Lead Credit Risk Analyst
Salary
£60,000-£66,000
Location + work pattern
Leicester (1 day per week in office, occasional additional team days)
THE COMPANY
This organisation is a well-established consumer lending business with a strong presence in the UK market. They operate a data-driven credit risk function focused on sustainable growth, innovation, and continuous improvement across their customer proposition.
THE ROLE
This role sits within a growing credit risk team and focuses on developing and optimising lending strategies, particularly within credit limit management and customer portfolios. You will play a key role in strategic initiatives, working across teams to improve performance and customer outcomes.
Specifically, you can expect to be involved in:
- Developing and optimising credit risk strategies across existing customer portfolios (ECM)
- Leading projects focused on credit limit management and lending policy improvements
- Delivering portfolio analysis, MI reporting, and customer trend insights
- Supporting model implementation, including behavioural scorecards and decision systems
- Collaborating with wider teams to test, implement, and refine strategy changes
YOUR SKILLS AND EXPERIENCE
- Proven experience within credit risk analytics in consumer lending (e.g. cards, loans, or mortgages)
- Strong background in ECM or acquisitions strategy, including lending policies or limit strategies
- Experience working on credit limit management or similar portfolio strategy initiatives
- Proficiency in SQL (or similar analytical tools)
- Strong communication skills, with the ability to present insights to both technical and non-technical stakeholders
THE BENEFITS
- Clear progression opportunities within a growing analytics team
- Exposure to broad, high-impact strategic projects
- Collaborative environment with a strong focus on learning and development
- Flexible working structure with limited office requirements
THE PROCESS
- Initial 30-minute interview
- Technical stage including coding task and presentation
- Final interview with additional technical discussion
- Offer!
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Senior Consultancy Manager
London
£100000 - £120000
+ Risk Analytics
PermanentLondon
To Apply for this Job Click Here
Senior Consulting Manager
Salary
£100,000-£120,000 + bonus
Location + work pattern
London or Leeds (Hybrid – 2 days per week in office/client site as required)
THE COMPANY
This organisation is a well-established provider of data, analytics and decisioning solutions to major financial services, fintech and payments businesses. As part of a strategic expansion, they are investing in a high-impact consulting function designed to help clients turn data into tangible commercial outcomes across the customer lifecycle.
THE ROLE
You will lead end-to-end analytics consulting engagements, acting as a trusted advisor to senior stakeholders while helping to build and scale a growing consulting capability. This is a highly visible role with clear progression into leadership.
Specifically, you can expect to be involved in:
- Leading delivery of analytics-led consulting projects from problem definition to actionable recommendations
- Owning senior client relationships across banking, fintech and payments organisations
- Translating complex analytical outputs into clear, commercially focused insights
- Supporting business development through proposals, pitches and shaping new opportunities
- Collaborating with data science and analytics teams to deliver scalable, high-quality solutions
YOUR SKILLS AND EXPERIENCE
- Proven experience in analytics or data-led consulting within financial services, fintech or payments
- Experience within a credit risk environoment, working on customer acquisition or ECM.
- Strong client-facing skills with the ability to manage senior stakeholders and lead project
- Ability to communicate complex ideas clearly to both technical and non-technical audiences
- Understanding of lending products (e.g. credit cards, loans, mortgages) and customer lifecycle analytics
- Familiarity with analytical tools such as SQL, Python or visualisation platforms
THE BENEFITS
- Performance-related bonus
- Competitive ension and healthcare package
- Generous annual leave allowance
- Flexible and hybrid working model
- Ongoing learning and development opportunities
THE PROCESS
- Initial interview
- Case study / presentation stage
- Final senior stakeholder interview
HOW TO APPLY
Please register your interest via the apply link on this page.
To Apply for this Job Click Here
Senior Consultancy Manager
Leeds
£100000 - £120000
+ Risk Analytics
PermanentLeeds, West Yorkshire
To Apply for this Job Click Here
SENIOR CONSULTANCY MANAGER
UP TO £100,000-£120,000 PLUS BONUS
LEEDS
HYBRID WORKING (2 DAYS PER WEEK IN-OFFICE)
Are you looking for an opportunity to step into a high-impact, client-facing role where you can lead complex analytics engagements and influence strategic decision-making? This position offers the chance to work at the forefront of data-driven consulting, partnering with leading financial services organisations to deliver commercial outcomes and shape a growing advisory practice.
THE COMPANY
This organisation is a well-established global provider of data, analytics, and decisioning solutions, working with clients across banking, fintech, payments, and broader consumer markets. They are investing heavily in building out a high-impact advisory and consulting capability, helping clients translate data into measurable commercial outcomes.
THE ROLE
This is a senior, client-facing role leading end-to-end analytics consulting engagements while helping shape and grow a new consulting practice. You will act as a trusted advisor to senior stakeholders, combining delivery leadership with commercial contribution.
Specifically, you can expect to be involved in the following:
- Leading analytics-driven consulting projects from problem definition through to implementation and value realisation
- Managing senior stakeholder relationships across financial services clients
- Translating complex analytical outputs into clear, commercial recommendations
- Supporting business development through proposals, pitches, and client engagement
- Collaborating with data science and analytics teams to deliver scalable, high-quality solutions
SKILLS AND EXPERIENCE
The successful Senior Consultancy Manager will have the following skills and experience:
- Strong background in analytics or data-led consulting within financial services, fintech, or payments
- Experience leading client engagements and managing senior stakeholders
- Ability to translate technical insights into strategic, commercial outcomes
- Knowledge of credit risk, customer lifecycle, fraud, pricing, or segmentation analytics
- Familiarity with analytical tools such as SQL or Python (hands-on experience beneficial)
BENEFITS
The successful Senior Consultancy Manager will receive a salary up to £100,000-£120,000 as well as a comprehensive benefits package.
To Apply for this Job Click Here
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Industry Hub
HARNHAM
News & Blog
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Testimonials
Client and
candidate
testimonials
A trusted partner of professionals
across the globe.
We understand the challenges our
customers face and offer the
recruitment solutions needed to drive
business success through Data &
AI.
Candidate – Market Research Analyst
Thanks to Harnham, I am now in a role that suits me. My recruiter was able to quickly identify the skills I had to offer and match me up with his client. It was a win-win for everyone. I was given great advice throughout the process, and I also appreciated the follow-ups that I received.
Candidate /
Market Research Analyst
Candidate – Senior Data Engineer
I've been a Senior Data Engineer for about 4-5 years and Harnham is one of the best recruitment agencies I worked with. There was a time when my offer fell through and the recruiter I was working with at Harnham jumped in to the rescue and scheduled interviews for me within a couple of days. Really good agency and some great people.
Candidate /
Senior Data Engineer
Candidate – Chief Data Officer
It was a real treat to work with Harnham. My recruiter consistently went above and beyond to ensure that I navigated through the recruitment process as smooth as possible. I had been in contact with other professional at Harnham in the past and I can attest that the level of professionalism is always top-notch.
Candidate /
Chief Data Officer
Candidate – Data Analyst
I’ve had a great experience with Harnham. The recruiter provided great advice and ensured that I understood everything, and even followed up with me after I started my new role to see how I was settling in. I would recommend Harnham as a great recruitment company for anyone looking for a role in data and analytics.
Candidate /
Data Analyst
Client – Director of People Operations
We’ve been collaborating with Harnham to recruit some key positions for our company, and they have been incredible partners. They team has been great and efficient. They understood our needs perfectly and provided us very talented candidates. We'll keep collaborating with them in the future. Thank you for your excellent job!
Client /
Director of People Operations
Candidate – Digital Media and Analytics
I've recently got a short-term contract role through Harnham, and things couldn't have gone better! My recruiter was incredibly helpful throughout the entire process. They also provided incredible admin support so that I could focus on the actual job in hand, rather than having to spend too much time dealing with these matters.
Candidate /
Digital Media and Analytics
Client – Director of Customer Data Science – Apparel
The team at Harnham have been outstanding in helping our company build a market-leading data science team. Harnham’s communication is great, and the recruiter’s take a consultative approach that’s really focused on provided value for both their clients and their candidates. They provide strong candidates that help us fill our roles with high achievers who are also a great fit for our culture.
Client /
Director of Customer Data Science – Apparel
Client – Data Direction – Broadcast Media
I have worked with Harnham for over 2 years now as our main Analytics Recruiter partner and I am very pleased with the overall service and the people we have hired via Harnham. Harnham’s team is very good at understanding our recruitment needs and always come back with relevant and well scanned CVs, which saves me precious time.
