Senior Credit Risk Analyst

Job Title: Senior Credit Risk Analyst

Working Pattern: Monday to Friday, 09.00 - 17.00 36.25 hours per week
Salary: £50,000 - £60,000 and up to 20% bonus and benefits
Location: Flexible - Embrace fully UK remote or hybrid work from any of our vibrant UK offices in London, Cardiff, Durham or Blackpool.

Shaping the future of sustainable digital banking

Launched in 2014 as one of the UK’s original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK.

People join Tandem because they want to shape something meaningful. Here, you’ll use your skills to create products that empower people to make better financial choices and lower their environmental impact. We’re big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together.

Recognised in The Sunday Times Best Places to Work for 2024 and 2025, Tandem has also been named in The Sunday Times 100 Tech list for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing industry presence. Tandem was also awarded Investor in Customers’ Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®.

Tandem is growing fast and helping to shape the future of sustainable banking.

Your team: Collaborators in change

Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers.

The Credit Risk team is a second line team within the Risk & Compliance function. Our aim is to provide oversight of Credit Risk across the full customer lifecycle and across the entire suite of Bank products.

Reporting to the Credit Risk Analytics Manager, the Senior Credit Risk Analyst will be responsible for analytics across the wider Credit Risk team, supporting full customer lifecycle oversight across Personal Loans, Motor Finance, 1st and 2nd Charge Mortgages and Green Lending.

Your Impact: Building a sustainable tomorrow

As a Senior Credit Risk Analyst at Tandem your focus will be on:

• Designing, reviewing and optimising applications credit risk strategies, including policy rules, scorecard cut-offs and affordability decisioning.
• Managing the ongoing performance of application scorecards, identifying emerging risk, performance drift or opportunities to improve risk-return outcomes.
• Supporting the development, enhancement and implementation of new scorecards and segmentation approaches in partnership with Credit Analytics and Model Risk teams.
• Producing clear, decision-focused MI and analysis covering application volumes, approval rates, risk performance and strategy impacts.
• Delivering insight and recommendations to senior management and Credit Committees, contributing to strategy papers and governance submissions.
• Leading or supporting the deployment of credit strategy changes into live decisioning environments, ensuring changes are well-controlled and appropriately governed.
• Monitoring post-deployment outcomes to confirm strategies perform in line with expectations and the Bank’s risk appetite.
• Working closely with Product, Underwriting, Technology and Operations to support new product launches, policy changes and strategic initiatives.
• Helping to continuously improve credit strategy frameworks, documentation and controls, ensuring alignment with regulatory and internal standards.