Senior Credit Risk Analyst




GettaSub is a financial employee benefit program driven to help millions of UK employees gain access to short-term finance via salary advance loans. We partner with employers, to offer a financial wellbeing product focused on helping employees at zero risk to their employer.

Our offering is proven to have major impact on workplace productivity, reducing staff turnover and boosting morale. We pride ourselves as the ethical alternative in the short-term lenders space, focused on ensuring employees are stress-free when it comes to money. Our salary advance loans don’t affect borrowers credit score and applies to all credit types.

 GettaSub effectively end the need for employee stress suffered from short term, unplanned financial obligations. All our loans are controlled via our app and web portal, which allows employees to instantly access their money. 

Launched in 2018, and regulated by the Financial Conduct Authority, GettaSub is already fast becoming the market leader in the short-term lending space.


We are recruiting for a Credit Risk Analyst to build the Credit Risk Modelling team. You will manage credit risk and pricing for the GettaSub salary advance loans. The role involves developing credit risk models, taking the lead on risk analytics, providing insight into all aspects of performance across the whole portfolio, and producing proposals for enhancing our risk management and strategies.

The successful candidate will be able to quickly fit into a fast-moving, innovative and high-profile environment, and will be required to hit the ground running; at least two years prior experience in a credit risk function and direct model building experience are therefore prerequisites. The successful candidate will be given responsibility to set direction and guide the way, whilst very much retaining a hands-on approach

We are a truly innovative fintech platform who are on an exciting growth journey having recently secured substantial funding from institutional investors.


  • Build our credit risk monitoring capabilities to ensure credit underwriting strategy is performing within expectations
  • Developing and validating credit risk models for use across the product life cycle
  • Reporting and monitoring the effectiveness of our front-end customer decisioning, across a range of channels
  • Designing, developing and deploying effective and efficient customer decision strategies, producing actionable proposals and implementation plans
  • Monitoring the risk/reward profile of the portfolio, analysing and proposing changes to strategies and customer affordability assessments, as appropriate
  • Assessing new data sources, tools and techniques to ensure the quality of credit decisioning is maintained in a fast-changing external environment
  • Providing a wide range of analytical work to meet the Risk & Pricing team objectives, and support a range of ad-hoc projects and deliverables
  • Perform analysis and assist with relevant data requests across the business to ensure accurate data and robust insight feed into the business.
  • Support the rollout of product enhancements by performing impact analysis or other means.
  • Support necessary changes to ensure ongoing regulatory compliance.


  • At least three years’ analytical experience within a credit risk function is essential
  • Strong statistical modelling experience – guiding or supporting developments
  • Experience in consumer finance is an advantage
  • Experience of extracting, manipulating and analysing data using SAS/SQL (or similar data tools)
  • Demonstrable numerate background, preferably with a degree in a numerical subject
  • Proficient with Excel, Word and PowerPoint to produce clear documents and analysis, presenting complex information effectively
  • A broad understanding of the full responsibilities of a credit risk function, from customer management to collections/recoveries, and/or capital and impairment requirements
  • Strong planning and organisation skills with the ability to manage your own workload, prioritise workloads, and support wider projects
  • Good written and verbal communication skills and attention to detail, including writing scorecard documentation, full noting papers and change proposals
  • You are excited by the prospect of working in a fast-paced and challenging environment.
  • Ability to act with a sense of urgency for completing and following through on tasks; resolves challenges in a timely manner
  • You have the ambition and determination to shape this role yourself – we will give you lots of room for growth.


  • Working experience in consumer finance is an advantage
  • Systems literacy knowledge in PowerPoint, MS office, Excel and Word


  • 25 Days holiday – Plus an extra day off on your birthday
  • Access to our employee benefit platform
  • Team socials 
  • Subsidised refreshments within our offices 
  • Gym Membership  
  • Pension scheme 
  • Health insurance
  • Fast-growing start-up environment

We are an equal opportunities employer and positively encourage applications from suitably qualified and eligible candidates regardless of age, disability, gender reassignment, marital or civil partner status, pregnancy or maternity, race, religion or belief, sex or sexual orientation

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