Senior Credit Risk Analyst

• Design, review, and optimize credit risk strategies for applications, including policy rules, scorecard cut-offs, and affordability decisioning.
• Manage ongoing performance of application scorecards, identifying emerging risks and opportunities to improve risk-return outcomes.
• Produce clear, decision-focused MI and analysis covering application volumes, approval rates, risk performance, and strategy impacts.
• Lead or support deployment of credit strategy changes into live decisioning environments, ensuring controlled and governed implementation.

This role helps Tandem shape sustainable digital banking by optimizing credit risk strategies that enable responsible lending, supporting products that empower customers to make better financial choices and lower their environmental impact.

• Strong experience in credit risk strategy or decisioning analytics within banking or consumer lending.
• Hands-on experience managing or using application scorecards and credit decision frameworks.
• Strong analytical capability to translate complex analysis into clear strategic recommendations.
• Experience producing high-quality MI and presentations for senior stakeholders and governance forums.

Salary: £50,000 - £60,000 plus up to 20% bonus. Benefits include: 25 days annual leave + 8 bank holidays, celebration day off, buy/sell holiday, healthcare cash plan, life assurance (3x salary), electric vehicle scheme, cycle to work scheme, pension (4% matched), smart tech scheme, 10% solar panel discount, volunteering days, and more.

Tandem is a UK digital bank launched in 2014, focused on sustainable banking. It creates products that help people make better financial choices and reduce environmental impact, with over 500 employees across the UK.