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 &amp; 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:<ul><li>Designing, reviewing and optimising applications credit risk strategies, including policy rules, scorecard cut-offs and affordability decisioning.</li><li>Managing the ongoing performance of application scorecards, identifying emerging risk, performance drift or opportunities to improve risk-return outcomes.</li><li>Supporting the development, enhancement and implementation of new scorecards and segmentation approaches in partnership with Credit Analytics and Model Risk teams.</li><li>Producing clear, decision-focused MI and analysis covering application volumes, approval rates, risk performance and strategy impacts.</li><li>Delivering insight and recommendations to senior management and Credit Committees, contributing to strategy papers and governance submissions.</li><li>Leading or supporting the deployment of credit strategy changes into live decisioning environments, ensuring changes are well-controlled and appropriately governed.</li><li>Monitoring post-deployment outcomes to confirm strategies perform in line with expectations and the Bank’s risk appetite.</li><li>Working closely with Product, Underwriting, Technology and Operations to support new product launches, policy changes and strategic initiatives.</li><li>Helping to continuously improve credit strategy frameworks, documentation and controls, ensuring alignment with regulatory and internal standards.</li></ul> We’d love to hear from you if you have:<ul><li>Strong experience in credit risk strategy or decisioning analytics within a banking or consumer lending environment.</li><li>Proficiency in SQL, SAS and Excel (Advanced) with a credit risk modelling and scorecard environment.  </li><li>Hands-on experience managing or using application scorecards and credit decision frameworks.</li><li>Strong analytical capability, with the ability to translate complex analysis into clear strategic recommendations.</li><li>Experience producing high-quality MI and presentations for senior stakeholders and governance forums.</li><li>Good understanding of the end-to-end credit lifecycle, particularly the front-book / applications stage. </li></ul>It would be great, but not essential if you have:<ul><li>Exposure to model development techniques (e.g. logistic regression, machine learning models) and model governance processes.</li><li>Experience using Python</li><li>Experience working with decisioning platforms and strategy deployment tools.</li><li>Familiarity with UK regulatory expectations relevant to retail credit (e.g. risk appetite, Consumer Duty, model risk governance).</li><li>Experience across multiple lending products (e.g. motor finance, personal loans, mortgages).</li></ul> Qualities we look for:<ul><li>Commercially minded, with a strong sense of proportion and judgement.</li><li>Comfortable operating in a change-driven environment with multiple stakeholders.</li><li>Able to work independently while also contributing positively to a collaborative strategy team.</li><li>Confident engaging and influencing stakeholders across Risk, Product and Technology.</li></ul> Rewards that reflect your value, what’s in it for you? At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer from your very first day with us:<ul><li>25 days annual leave plus 8 days Bank Holiday</li><li>An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc</li><li>Buy or sell up to 5 days holiday a year</li><li>Healthcare cash plan through Westfield Health</li><li>Life Assurance at 3 x salary</li><li>Electric Vehicle salary sacrifice scheme</li><li>Cycle to Work salary sacrifice scheme and a free helmet</li><li>Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility)</li><li>Smart Tech scheme (buy goods with 0% interest)</li><li>10% discount on solar panels</li><li>Tandem Hub for treats, cash back and discounts on UK retailers</li><li>2 days per year paid volunteering</li><li>Free cereal, snacks and drinks in all offices</li><li>Quarterly team social budgets</li></ul> Please note, some benefits are subject to eligibility criteria, such as passing your probation.Our Green Deal: Your Impact AmplifiedA little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below:<ul><li>Volunteer 14.25 hours a year for charity &gt; receive a half day on a Friday</li><li>Take part in a fundraising event &gt; Tandem will match up to £200 a year</li><li>Have renewable energy at home &gt; receive an additional 1-day annual leave</li><li>Drive an electric car &gt; receive £500 towards a home charger</li><li>Use public transport or have a low emissions/hybrid car &gt; entry into a £200 prize draw</li><li>Sign up to cycle to work scheme &gt; receive £30 voucher for a cycling helmet</li></ul> Ready to make your mark? Apply now and let's pave the way to a greener world, together. Our approach to DE&amp;I is reflected in our hiring process so please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so please apply asap if you’re interested in the role. Sourcing ModelRecruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page.   Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.

Tandem Bank - Banking for a greener future. Experts in savings, lending and green consumer finance, we pioneer smart products and new technology to remove financial barriers and make it easier to manage your money. From big decisions like green mortgages and green home improvements loans, to everyday choices that help you make the most of your money, we support customers to make choices that are better for them and for the planet.

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 &amp; 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:<ul><li>Designing, reviewing and optimising applications credit risk strategies, including policy rules, scorecard cut-offs and affordability decisioning.</li><li>Managing the ongoing performance of application scorecards, identifying emerging risk, performance drift or opportunities to improve risk-return outcomes.</li><li>Supporting the development, enhancement and implementation of new scorecards and segmentation approaches in partnership with Credit Analytics and Model Risk teams.</li><li>Producing clear, decision-focused MI and analysis covering application volumes, approval rates, risk performance and strategy impacts.</li><li>Delivering insight and recommendations to senior management and Credit Committees, contributing to strategy papers and governance submissions.</li><li>Leading or supporting the deployment of credit strategy changes into live decisioning environments, ensuring changes are well-controlled and appropriately governed.</li><li>Monitoring post-deployment outcomes to confirm strategies perform in line with expectations and the Bank’s risk appetite.</li><li>Working closely with Product, Underwriting, Technology and Operations to support new product launches, policy changes and strategic initiatives.</li><li>Helping to continuously improve credit strategy frameworks, documentation and controls, ensuring alignment with regulatory and internal standards.</li></ul> We’d love to hear from you if you have:<ul><li>Strong experience in credit risk strategy or decisioning analytics within a banking or consumer lending environment.</li><li>Proficiency in SQL, SAS and Excel (Advanced) with a credit risk modelling and scorecard environment.  </li><li>Hands-on experience managing or using application scorecards and credit decision frameworks.</li><li>Strong analytical capability, with the ability to translate complex analysis into clear strategic recommendations.</li><li>Experience producing high-quality MI and presentations for senior stakeholders and governance forums.</li><li>Good understanding of the end-to-end credit lifecycle, particularly the front-book / applications stage. </li></ul>It would be great, but not essential if you have:<ul><li>Exposure to model development techniques (e.g. logistic regression, machine learning models) and model governance processes.</li><li>Experience using Python</li><li>Experience working with decisioning platforms and strategy deployment tools.</li><li>Familiarity with UK regulatory expectations relevant to retail credit (e.g. risk appetite, Consumer Duty, model risk governance).</li><li>Experience across multiple lending products (e.g. motor finance, personal loans, mortgages).</li></ul> Qualities we look for:<ul><li>Commercially minded, with a strong sense of proportion and judgement.</li><li>Comfortable operating in a change-driven environment with multiple stakeholders.</li><li>Able to work independently while also contributing positively to a collaborative strategy team.</li><li>Confident engaging and influencing stakeholders across Risk, Product and Technology.</li></ul> Rewards that reflect your value, what’s in it for you? At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer from your very first day with us:<ul><li>25 days annual leave plus 8 days Bank Holiday</li><li>An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc</li><li>Buy or sell up to 5 days holiday a year</li><li>Healthcare cash plan through Westfield Health</li><li>Life Assurance at 3 x salary</li><li>Electric Vehicle salary sacrifice scheme</li><li>Cycle to Work salary sacrifice scheme and a free helmet</li><li>Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility)</li><li>Smart Tech scheme (buy goods with 0% interest)</li><li>10% discount on solar panels</li><li>Tandem Hub for treats, cash back and discounts on UK retailers</li><li>2 days per year paid volunteering</li><li>Free cereal, snacks and drinks in all offices</li><li>Quarterly team social budgets</li></ul> Please note, some benefits are subject to eligibility criteria, such as passing your probation.Our Green Deal: Your Impact AmplifiedA little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below:<ul><li>Volunteer 14.25 hours a year for charity &gt; receive a half day on a Friday</li><li>Take part in a fundraising event &gt; Tandem will match up to £200 a year</li><li>Have renewable energy at home &gt; receive an additional 1-day annual leave</li><li>Drive an electric car &gt; receive £500 towards a home charger</li><li>Use public transport or have a low emissions/hybrid car &gt; entry into a £200 prize draw</li><li>Sign up to cycle to work scheme &gt; receive £30 voucher for a cycling helmet</li></ul> Ready to make your mark? Apply now and let's pave the way to a greener world, together. Our approach to DE&amp;I is reflected in our hiring process so please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so please apply asap if you’re interested in the role. Sourcing ModelRecruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page.   Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.

Senior Credit Risk Analyst

About the Job

About the Company

Tandem

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