Credit Risk Analytics Lead

About Allica Bank

Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech.

Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers.

Role Description

As a Credit Risk Analytics Lead you will lead on decision science, credit models, portfolio performance and pricing, and play a key role in driving fundamental improvements in our credit and product performance, policy and strategy.

You will be a senior member of the team responsible for producing tangible insights to the business which will not only monitor and control risk, but also help scale and grow our products through data driven decisions. This makes you the go-to person when the business requires insights on customer behaviour and any key performance metrics which include profitability, credit risk performance and operational performance metrics.

This role also has responsibility for setting and optimising product pricing, that is market competitive while providing the coverage and margins required to deliver value to Kriya.

Principal Accountabilities

• Work closely with our risk leadership team to provide insights to optimise our underwriting and credit decisioning processes.

• Leverage latest data science, machine learning and artificial intelligence to build systematic risk models for our credit products

• Produce portfolio monitoring and investigative analysis to explain trends and answer questions from key stakeholders; making recommendations on how to enhance our products and processes.

• Develop and optimise our pricing models using financial modelling techniques.

• Produce portfolio management information for both internal and external stakeholders and present insight and findings in a clear non-technical way that is easy for stakeholders to digest and understand.

• Conduct rigorous impact analysis on credit strategies, reassessing and optimising how we make credit decisions.

• Support the collections and recovery team with data driven insight and collections strategies.

• Collaborate with other teams in developing our predictive models, product features and processes

Personal Attributes & Experience

• Proven experience in decision science, credit risk analytics, data modelling and AI, ideally within financial services or fintech.

• Strong understanding of risk disciplines including unit profitability evaluation, pricing, risk appetite setting, and credit policy design.

• Experience with B2B/SME lending is highly desirable, though not essential.

• Demonstrated ability to influence and collaborate with cross-functional teams and senior stakeholders.

• Strong leadership and people management skills with a track record of building high-performing teams.

• Exceptional analytical and problem-solving abilities with a hands-on approach.

• Excellent communication skills, particularly in translating complex findings into accessible, actionable insights.

• Organised, proactive, and able to manage multiple priorities across different products and development stages.

• Comfortable working in a fast-paced, evolving environment with a start-up / build-it-yourself mindset.

Working at Allica Bank

At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers.

Our employees are at the heart of everything we do, so our benefits are designed with you in mind:

• Full onboarding support and continued development opportunities

• Options for flexible working

• Regular social activities

• Pension contributions

• Discretionary bonus scheme

• Private health cover

• Life assurance

• Family friendly policies including enhanced Maternity & Paternity leave

Don’t tick every box?

Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you!

Flexible working

We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate.

Diversity

We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.