Job Description

About the job

Job Title:

Credit Analyst

Department:

Credit and Risk

Location:

London, Paddington.

Office based Hybrid or Remote:

Office based (full time)

Type:

Permanent

Job Purpose

This is a core role within Winyield's credit and risk function, responsible for the assessment, monitoring, and governance of both consumer and business lending exposures. The Credit Analyst will play a central role in designing and operating disciplined underwriting processes, maintaining robust credit policies, and supporting the responsible scaling of Winyield's lending activities.

The role requires a strong understanding of UK consumer credit standards alongside experience assessing small business and SME credit risk. The Credit Analyst will work closely with senior management, operations, product, and technology teams to ensure credit decisions are consistent, well-documented, and embedded into scalable systems and controls.

Key Responsibilities

Credit Analysis and Underwriting

Assess the underwriting rules for consumer and business credit applications using financial, behavioural, and affordability data Perform affordability assessments, income verification, cash flow analysis, and stress testing in line with UK responsible lending standards Apply and continuously refine credit policies, decision frameworks, and eligibility criteria Produce clear, consistent, and well-documented credit rationales suitable for internal review, audit, and regulatory scrutiny

Automation, Data, and AI-driven Underwriting

Support the design and implementation of automated underwriting workflows for consumer and business lending Work with product and technology teams to translate credit policies into system-based rules, decision engines, and AI-assisted models Help define controls, monitoring, and explainability requirements for automated and AI-supported credit decisions Review model outputs, exceptions, and overrides to ensure outcomes remain consistent with policy and risk appetite

Investment memo and portfolio analysis:

Build investment memo on new portfolio and origination opportunities with the required loan tape analysis

Policies, Governance, and Controls

Maintain and update credit policies, underwriting manuals, and procedural documentation Ensure strong governance around credit decisioning, overrides, and exceptions Support internal reviews, audits, and information requests with accurate and complete documentation Contribute to the ongoing development of compliant customer journeys from a credit risk perspective

Cross-functional Collaboration

Work closely with operations and collections teams to ensure alignment between underwriting assumptions and real-world outcomes Support senior management with credit reporting, portfolio analysis, and ad-hoc risk assessments Contribute to strategic initiatives aimed at scaling Winyield's lending platform in a controlled and compliant manner

Requirements

Minimum 4 years of experience in credit analysis, underwriting, or credit risk Demonstrable experience with UK consumer and SME credit, including affordability assessments and responsible lending principles Strong understanding of credit governance, documentation standards, and auditability Exposure to automated or AI-supported underwriting systems Strong analytical skills and attention to detail, with sound credit judgement Comfortable working with data, codes, and internal risk dashboards

What We Offer

Competitive compensation The opportunity to play a foundational role in a fast growing lending fintech company. Close collaboration with senior leadership and influence over credit strategy and framework design A high-accountability, intellectually rigorous working environment based in London

How to Apply

Submit an application by 31 January 2026 here: https://forms.gle/XHiPsXYrffuSTdNe8

Job Type: Full-time

Benefits:

Work from home
Work authorisation:

United Kingdom (required)
Work Location: In person