Credit Risk Analyst at Kroo | London

At Kroo Lending, we empower our customers to achieve their life milestones through responsible borrowing. Whether it’s acquiring a cargo bike for family commutes or replacing an aging boiler, our mission is to provide the support needed for both joyful and practical purchases. Our focus on credit analytics, decision-making, and operational efficiency is central to our ability to offer tailored lending solutions and sustainably grow our business. We have successfully introduced familiar products like overdrafts and unsecured personal loans, and we're excited to scale these offerings.As a bank and a startup, Kroo blends the best of both worlds to create trusted and beloved financial products. Our goal is to enhance the relationship individuals have with their finances, ultimately granting them greater independence and control.The Credit Risk Analyst plays a key role in assessing credit risk, contributing to lending decisions, and monitoring the performance of our unsecured loan portfolio. This position merges fundamental credit risk principles with data-driven analysis, enabling fair, sustainable, and scalable lending in a digital-first environment.Your Contributions:Assist in the development and continuous improvement of credit decisioning rules, scorecards, and underwriting processes aligned with the Bank's risk appetite and strategic objectives.Analyze decisioning engine performance and contribute to the refinement of scorecards, rules, and affordability models.Collaborate with data and product teams to test new data sources and models, including engaging in controlled experiments such as A/B testing.Support pricing analysis by monitoring lending offer performance across various customer segments.Participate in affordability assessments, leveraging Open Banking data to gain insights into customer circumstances and identify potential vulnerability indicators.Monitor key portfolio performance metrics such as arrears, delinquency trends, and cohort behavior, identifying insights and potential risks.Assist in updating credit policies, procedures, and risk appetite frameworks within the lending team.Provide input into product and customer journey enhancements, ensuring credit risk factors are adequately reflected.Contribute to the continuous enhancement of digital onboarding and underwriting processes through data analysis and user feedback.

Role overview Kroo seeks a Director of Credit Risk Management based in London. This position leads efforts to identify, assess, and manage credit risk throughout the company’s financial operations. Main responsibilities Design and maintain credit risk frameworks that promote responsible lending and meet regulatory standards. Guide and support a team of credit analysts, fostering a proactive approach to risk management. Collaborate with senior management to refine risk assessment methods and contribute to strategic business planning. Location This role is located in London, England, United Kingdom.

About LendableLendable is on a mission to develop cutting-edge technology designed to empower individuals to access credit and save money effectively. As one of the UK's emerging fintech leaders, we have achieved remarkable milestones:Recognized as one of the UK’s newest unicorns with a dedicated team of over 700 professionals.Ranked among the fastest-growing technology companies in the UK.Achieved profitability since 2017.Supported by prestigious investors such as Balderton Capital and Goldman Sachs.Praised by customers, boasting exceptional ratings (4.9 out of 5 based on thousands of reviews on Trustpilot).We have revolutionized the Big Three consumer finance products—loans, credit cards, and car finance—enabling our customers to receive funds within minutes, not days.Our growth trajectory is impressive, with ambitious plans to penetrate the two largest Western markets, the UK and the US, where traditional banks offer outdated financial products and cumbersome processes.Join Us if You Want ToTake ownership across a diverse range of responsibilities, making impactful decisions from day one that influence Lendable's success.Collaborate with exceptional teams, known for their resourcefulness in problem-solving and innovation.Develop cutting-edge technology in-house, leveraging new data sources, machine learning, and AI to optimize our operations.About The RoleWe are seeking a detail-oriented Senior Credit Risk Analyst to drive meaningful enhancements in our consumer finance products within the UK or US markets. This position is perfect for an individual who is data-savvy, proficient in coding, and passionate about tackling complex challenges.As part of a collaborative and ambitious team, your contributions will directly influence strategic decisions and elevate our portfolio's performance.

Role Overview:Join the dynamic team at Brook Green Supply, a leading independent B2B energy supply company based in London. As a Senior Credit Risk Analyst, you will be part of a seasoned team committed to fostering growth and success within the energy sector. This role presents an excellent opportunity for a motivated and adaptable professional looking to advance their career in an innovative environment.In this pivotal position within the Credit Risk team under the Commercial department, you will collaborate with internal account managers, coordinators, and trading desk members, as well as external clients and credit stakeholders. Your focus will be on evaluating data and contracts, managing counterparty credit risks associated with physical power and gas supply, and supporting sustainable business growth through effective credit management practices.Your responsibilities will include managing complex credit exposures and collateral arrangements, and shaping reporting and risk-mitigation frameworks to enhance overall operational efficiency.

Location: London, England, United Kingdom Team Overview Kroo’s underwriting team combines data analysis with a commitment to understanding real customer behavior. The group plays a central role in evaluating credit applications and shaping lending practices as the bank grows. Integrity, transparency, and continuous learning shape the way the team works together. What You’ll Do Assess and make decisions on consumer credit applications up to £25,000 using open banking data, credit bureau reports, and application details. Analyze income and affordability, focusing on customer transactions and cash flow through open banking sources. Evaluate credit risk and decide on approvals or declines in line with Kroo’s policies, risk appetite, and regulatory requirements. Identify and document potentially fraudulent or suspicious applications, including performing KYC and fraud checks when needed. Apply sound judgment to near-prime cases, balancing customer outcomes with risk management. Work closely with colleagues in underwriting, risk, and operations to support a smooth customer experience. Help improve underwriting processes, controls, and decision standards as the team evolves. Maintain strong knowledge of Kroo’s products and understand how underwriting decisions affect customer experience and portfolio results. Keep up to date with UK regulations and compliance standards relevant to consumer lending. What We’re Looking For At least 2 years of experience in credit underwriting or credit risk assessment. Solid understanding of consumer lending, affordability checks, and credit risk concepts. Hands-on experience analyzing open banking data for income and affordability assessments. Strong analytical skills with attention to detail in risk review and decision-making. Clear communication and effective interpersonal skills. Kroo is growing and welcomes those who want to help shape the future of banking with a focus on trust and customer impact.

At Kroo Bank, we are on a mission to redefine banking. Our commitment to customer-centricity, responsible financial practices, and innovative technology drives us to create a banking experience that is simpler, fairer, and more transparent. As a fully regulated UK bank backed by long-term investors, we boast a rapidly growing customer base and ambitious goals. Our culture emphasizes agility, thoughtful decision-making, and maintaining high standards in product development, risk management, and employee welfare.Key Responsibilities:As a Financial Planning and Analysis Manager, you will spearhead Kroo Bank's forecasting, planning, and performance insights across the organization. Your expertise will shape strategic decisions through high-quality financial models, detailed analysis, and effective storytelling. This hands-on role requires proficiency in developing and managing financial models and planning tools from the ground up in our fast-paced environment. You will collaborate closely with senior leaders in Finance, Risk, Product, and Operations to establish scalable forecasting and budgeting processes, ensuring alignment with banking-specific factors such as balance sheet dynamics, capital requirements, liquidity, and regulatory standards.Additional responsibilities include:Creating, managing, and continually enhancing comprehensive financial models encompassing P&L, balance sheet, and cash flow, ensuring transparency, control, and scalability.Leading the bank’s forecasting and planning cycles, including annual budgets, reforecasting, and multi-year planning, while providing clear outputs and variance analyses.Developing driver-based forecasting frameworks for key banking metrics such as net interest income, cost of funds, credit performance, operating expenses, and customer growth.Generating high-quality management reports and performance insights for senior leadership, including commentary on significant fluctuations, risks, and strategic actions.Collaborating with Treasury and Risk teams to ensure that planning reflects balance sheet composition, interest rate trends, and capital and liquidity considerations.Designing and maintaining planning tools using Excel and Google Sheets, enhancing automation and control through advanced formulae, VBA, and structured model governance.Leveraging data and scripting tools like Python to automate repetitive analyses, improve data integrity, and expedite forecasting and reporting workflows.Supporting the development of capital and regulatory-aware planning, ensuring consistency with the bank’s prudential framework and internal risk appetite.Engaging with business owners to challenge assumptions, foster accountability for budgets, and enhance the quality of forecasting inputs organization-wide.Contributing to the development of FP&A processes, templates, and controls.

At Kroo Bank, we are revolutionizing banking by prioritizing our customers, promoting responsible financial practices, and leveraging technology to simplify, enhance, and clarify everyday banking. As a fully regulated UK bank, we are backed by long-term investors, boasting a rapidly expanding customer base and ambitious goals. We operate with agility, careful consideration, and a commitment to high standards in product development, risk management, and employee welfare.Your Role and Responsibilities:As the Regulatory Reporting Manager, your primary responsibility will be ensuring the accuracy, completeness, and timeliness of prudential and regulatory reports in compliance with relevant regulations and supervisory expectations. You will be instrumental in interpreting and implementing capital and liquidity requirements, establishing a robust control framework, and developing scalable reporting processes tailored for a fast-growing challenger bank. Close collaboration with the Treasury team is essential to align capital and liquidity reporting with balance sheet activities and liquidity management. You will also be expected to contribute to broader capital and liquidity initiatives as necessary to meet business deadlines and priorities. Key responsibilities include:Overseeing the complete production, review, and submission of regulatory returns, ensuring accuracy and timeliness for both internal and external stakeholders.Managing the regulatory reporting calendar, clearly defining ownership of inputs, dependencies, review stages, and final approvals.Utilizing your expertise in capital and liquidity regulations to translate requirements into effective processes, controls, and documentation.Collaborating closely with Treasury on liquidity and balance sheet reporting, ensuring consistency in data, assumptions, and narratives across submissions.Conducting thorough reconciliations between regulatory reporting outputs and the general ledger, investigating discrepancies and documenting resolutions.Enhancing the regulatory reporting control framework, including interpretations, policies, review checklists, audit trails, and escalation protocols.Supporting regulatory compliance efforts by evaluating impacts of changes, updating methodologies, and implementing improvements as regulations evolve.Generating clear management information and insights for governance discussions, emphasizing key trends, judgments, risks, and actions.Addressing inquiries from internal stakeholders and external parties, including auditors and regulators, providing well-supported explanations and analyses.Participating in broader capital and liquidity activities as needed, including internal analyses, governance documentation, and cross-functional contributions during peak periods.

Role OverviewEnhance the Group’s credit and counterparty risk frameworks through thorough credit analysis, vigilant portfolio oversight, and data-driven management information (MI), facilitating sound limit governance and proactive insights across various entities.Key ResponsibilitiesCredit Analysis & Reviews: Spearhead assessments of counterparties and clients; maintain detailed credit memorandums and conduct regular reviews; monitor evolving conditions and ensure timely follow-ups.Exposure, Concentration & Limits Monitoring: Generate and analyze insights on credit exposures, limit usage, concentration levels, and exceptions; recommend escalations supported by thorough analysis.Credit MI & Dashboards: Develop and oversee comprehensive credit reporting packages (including trend commentary, watchlists, and change drivers); collaborate with Quant/Data Engineers for automation and standardization.Stress/Scenario Inputs: Provide input for credit-focused scenarios, conduct sensitivity analyses, and investigate significant changes.Data Discipline: Ensure consistent definitions of exposure measures, limit logic, and entity mapping; document any methodological changes.Governance Support: Prepare materials for ALCO and credit governance meetings, ensuring clear tracking of actions and closure evidence.Key DeliverablesCredit watchlist and periodic review timetableCredit exposure and limits management information with narrative and exceptionsCredit memorandums and review notes along with a conditions trackerAutomated credit dashboards (where feasible) and definitions documentationSuccess MetricsImproved quality of assessment-driven credit decisions with robust evidenceMinimized limit surprises; enhanced early-warning capabilitiesReduced manual reporting; improved data consistency across entitiesBenefitsCompetitive salary, Annual bonus, Private medical coverage

Role Overview:Join Brook Green Supply, an independent B2B energy supplier, where you’ll collaborate with a seasoned team dedicated to excellence in the energy sector. This position offers a remarkable chance for a motivated and adaptable individual eager to grow in a vibrant environment that values personal development and career progression.Key Responsibilities:Conduct thorough credit assessments utilizing quantitative and qualitative data, manage credit insurance requests, and perform regular credit limit evaluations.Develop proactive strategies for credit risk mitigation, including securing alternative collateral forms.Oversee the management and renewal of collateral arrangements, ensuring compliance with approved limits.Communicate credit decisions effectively to internal stakeholders, offering constructive feedback and requesting necessary information for ongoing assessment.Analyze macroeconomic trends and sector developments to evaluate potential impacts on counterparty risk.Assist in enhancing credit risk policies, data validation processes, and overall procedural improvements.Support the creation of risk models, KPIs, and performance dashboards.Engage in special projects and analyses as directed by management.

m-kopa is hiring a Senior Analyst - Credit Risk & Eligibility in London. This position centers on analyzing credit risk and evaluating eligibility for the company’s financial products. Role overview This role focuses on assessing credit risk and supporting the development of credit assessment processes. The Senior Analyst will help refine how eligibility is determined, contributing to improvements that support m-kopa’s goal of expanding access to financial solutions. Key responsibilities Analyze credit risk for a range of financial products. Evaluate eligibility criteria and recommend process enhancements. Support ongoing improvements in credit assessment methods. Impact This work directly supports m-kopa’s mission to provide financial access in underserved markets. The Senior Analyst’s insights will help shape the company’s future approach to credit risk and eligibility.

Join Kroo: Pioneering a New Era in BankingKroo is on a mission to reshape banking by becoming the first institution that is both trusted and cherished by our customers. We empower individuals to take charge of their financial futures while making a meaningful impact on the environment. Integrity, transparency, and honesty are at the core of our values. We think big, dream even bigger, and pursue our ambitions with unwavering determination. Our bold approach encourages innovation and constant learning as we embark on this transformative journey together.Our diverse team comprises experienced professionals from various fields, including technology, banking, customer experience, marketing, and legal, all united by a shared passion for our mission. Through collaboration, we are building the world’s leading social bank, focused on understanding customer needs and behaviors. This insight fuels our development of innovative products that create enduring positive change in people’s lives.As part of our commitment, our FinCrime Operations Quality Assurance team works closely with the Training department, forming a dynamic unit dedicated to ensuring excellence in every aspect of our work.Your Contributions Will Include:Understanding the processes and procedures of the financial crime team.Developing QA scorecards aligned with the QA Framework for financial crime processes.Performing regular and ad-hoc Quality Checks (QC) on the work of financial crime analysts and the FinCrime Operations processes.Conducting root cause analysis to identify issues and areas for enhancement.Writing comprehensive QA summaries and providing constructive feedback to financial crime and Team Leaders for ongoing performance management.Facilitating the training requirements of the FinCrime Operations teams through regular coaching and quality training sessions to elevate individual and team performance.Creating QA Management Information (MI) and delivering feedback to stakeholders regularly.Presenting QA findings to senior stakeholders during regular QA meetings.Assisting the team in refining internal processes by implementing best practices.We are excited to expand our team at Kroo and invite you to join us on this incredible journey!

About Clear Street:At Clear Street, our mission is to empower every sophisticated investor with access to every asset across all markets through a single, high-speed platform designed for transparency and scalability.We equip our clients with cutting-edge technology, tools, and services that were once exclusive to the largest institutions, all reimagined on modern infrastructure. Our comprehensive, cloud-native capital markets platform is not only driving investor growth today but is also revolutionizing how they will engage with markets in the future.For further details, please visit https://clearstreet.io.

Role overview Wise is looking for a Senior Credit Risk Manager to lead credit risk assessment strategies in London. This role shapes how Wise manages credit risk and strengthens the company’s risk management practices. What you will do Analyze credit data to identify trends and potential risks Develop and refine risk models for Wise’s credit portfolio Guide initiatives that improve the credit risk framework Work closely with teams across the business to share insights and support decision making Help shape credit policies and risk management approaches What we’re looking for Strong analytical skills with experience working with complex datasets Ability to communicate clearly with cross-functional teams Proactive approach to identifying and managing credit risk Experience developing credit risk models and strategies

Conduct comprehensive gap analysis prior to business integration to assess the Risk Framework and align it with existing business processes.Key Responsibilities:· Facilitate smooth implementation across all business areas, ensuring adherence to regulatory guidelines while maintaining compliance within the established Risk Framework and Appetite.· Perform post-implementation reviews, including control design, effectiveness testing, and necessary updates.· Implement relevant regulatory legislation, guidelines, best practices, and local codes of conduct.· Engage with regulators and authorities, managing notifications and approvals required prior to transactions, and ensuring compliance with data requirements and systems access.· Update and enhance the Risk framework, policies, and procedures, including monitoring and regulatory change management.· Develop and deliver training tailored to diverse audiences to ensure compliance.· Clarify roles, responsibilities, data requirements, and system access pertaining to risk management activities.· Identify risk reporting needs and other requirements to support integration efforts.· Enhance the overall risk management environment through comprehensive documentation, targeted training, and rigorous control testing.· Prepare FMPI to integrate Fiserv's preferred risk management tool for ongoing business-as-usual risk monitoring activities.· Offer initial support and guidance following the implementation of the risk management tool.

Join abound as the Head of Credit Risk, where you will lead our efforts in risk management, ensuring the financial stability of our lending processes. You will be responsible for developing robust credit risk policies, analyzing credit data, and implementing risk assessment frameworks. Work closely with cross-functional teams to enhance our risk mitigation strategies and drive continuous improvement initiatives.

Company MissionOur mission is to provide global access to exceptional products by empowering outstanding businesses to achieve their growth potential. About WayflyerIn today's fast-paced world, small and medium-sized businesses (SMBs) require a financing partner that can match their growth ambitions. Traditional funding sources can be slow and inaccessible, which is why we created Wayflyer.Our innovative technology enables us to evaluate businesses within minutes, generate tailored financing options that align with their growth potential, and disburse funds in as little as 24 hours.Since our inception in April 2020, we have successfully deployed over $5 billion to thousands of brands globally, supported by leading financial institutions like J.P. Morgan. We have become a reliable financing partner for remarkable brands, including True Classic, Little Words Project, and Kekoa Foods.At Wayflyer, our teams are genuinely cross-functional. You will collaborate with ambitious colleagues from around the globe, all working together to seize a significant opportunity. Watch this video to hear directly from our team members. Culture & Values at WayflyerWe pride ourselves on being sound individuals, exceptional operators, and ambitious overachievers. Together, we uphold integrity, creativity, and bold optimism to achieve outstanding results. For more information, please visit our website. Your Role Overview: Key contributions you will make to the teamConduct comprehensive analysis of financial and non-financial data of both new and existing customers to gain insights into their business operations.Identify and assess the risks associated with operating an eCommerce business and with Wayflyer's funding support for such entities.Facilitate and assist in coordinating regular discussions with our customers to deepen our understanding of their business needs and funding objectives.Collaborate closely with management to develop and implement necessary strategies for business growth.

About 9fin 9fin builds an AI-driven platform for the global debt markets, a sector valued at over $145 trillion. The company addresses challenges like scattered data, reliance on PDFs, and outdated manual processes by bringing together proprietary credit data, detailed analysis, and essential workflows in one place. More than 300 institutions worldwide use 9fin, including major banks, asset managers, private equity firms, law practices, and advisory groups. The company is expanding rapidly, especially in the US, and maintains high client retention through strong workflow integration. With growing demand and a product that fits market needs, 9fin aims to become the central platform for debt markets worldwide. Role Overview: Credit Analyst (London) The Credit Analyst role at 9fin covers a range of responsibilities: Analyze private company earnings, financial updates, and new deals as a generalist or sector specialist. Produce thematic research, trend reports, and sector-specific analysis. Use AI and business intelligence tools to automate workflows and enhance credit analysis. 9fin offers a generous budget for AI tools that match your expertise and improve your work. Build and maintain relationships with buyside investors and advisors to gather market insights. Support clients with questions about the platform and provide insights. Work closely with the product team to collect feedback and help shape improvements to the 9fin platform. What We Look For At least 2 years of experience in high-yield or leveraged finance markets, whether from the sell-side, buy-side, or a research firm. Strong communication skills, both written and verbal, with attention to detail.

About LendableLendable is dedicated to revolutionizing the way people access credit and save money. As one of the fastest-growing fintech companies globally, we have achieved remarkable milestones:Recognized as one of the UK’s newest unicorns with a talented team of over 700 professionals.Consistently ranked among the top tech companies in the UK.Achieved profitability since 2017.Supported by leading investors including Balderton Capital and Goldman Sachs.Highly rated by customers, boasting a 4.9 rating across thousands of reviews on Trustpilot.We have successfully rebuilt the main consumer finance products from the ground up: loans, credit cards, and car financing, enabling our customers to access funds in mere minutes.Our ambitious growth plan involves targeting the two largest Western markets, the UK and the US, where outdated systems and cumbersome processes prevail in the financial sector.Why Join Us?Take Ownership: You will be empowered to make impactful decisions that shape the future of Lendable from your very first day.Collaborate with Exceptional Talent: Work in small teams filled with resourceful individuals dedicated to innovative problem-solving.Develop Cutting-Edge Technology: Leverage new data sources, machine learning, and AI to streamline operations and enhance efficiency.About The RoleWe are seeking a data-savvy Credit Risk Manager to lead a team of analysts and spearhead transformative initiatives in our consumer finance products across the UK and US markets. This opportunity is perfect for someone who is confident in data analysis, comfortable with coding, and eager to tackle complex challenges.As part of our dynamic and forward-thinking organization, you will find that your contributions are valued and encouraged, with minimal bureaucracy to hinder your creativity and innovation.

Join Wayflyer as a Senior Credit Risk Data Scientist and play a pivotal role in shaping the future of financial technology. In this position, you will leverage your expertise in data science to analyze credit risk and contribute to innovative solutions that empower businesses. Collaborate with a dynamic team, utilizing advanced statistical methods and machine learning techniques to provide actionable insights and drive strategic decision-making.

LemFi (Series B) is revolutionizing financial services for the Global South.Relocating shouldn't mean starting from scratch. Our team of over 400 professionals across 20+ countries is dedicated to creating a financial ecosystem that empowers immigrants to stay connected to their roots, build financial stability, and achieve wealth irrespective of their origin or current location.What began as a solution for fast and affordable remittances has now transformed into a comprehensive platform offering multi-currency accounts, payments, credit, and long-term financial growth.With millions of users worldwide, we facilitate over $1 billion in transactions monthly to 30+ countries, demonstrating that financial opportunities should not be confined by geographical boundaries.Your RoleAs the Director of Credit Risk, you will be responsible for managing the risk aspects of the UK Credit P&L, serving as a commercial leader who expertly balances risk-adjusted margins with growth. Reporting to the VP of Credit, you will lead a dynamic team and act as the primary credit representative across product, collections, and capital markets as the company scales.Your ContributionsP&L Management: Oversee the risk-adjusted margins throughout the portfolio and refine pricing strategies to ensure all segments deliver profitable returns.Decisioning Framework: Lead the development and execution of the comprehensive decisioning framework across both new client origination and existing customer management.Model Development: Direct the credit data science team to create top-tier credit models utilizing both traditional and alternative data sources.Financial Forecasting: Manage the forecasting of IFRS 9 provisions and loss estimates that directly influence financial planning.Regulatory Compliance: Ensure that FCA-compliant policy documentation is maintained across affordability, underwriting, and collections, owning the rationale for all significant decisions.Capital Markets Engagement: Support structured finance initiatives and present portfolio performance data to debt investors.Supplier Relationship Management: Cultivate and manage critical relationships with key suppliers, including credit bureaus, decision engines, and alternative data providers.