Credit Risk analyst

About Fintech Farm
We are a UK fintech creating successful neobanks in emerging markets in partnerships with local traditional banks.
Our success builds upon a best-in-class product, customer experience, emotional engagement, viral marketing and deep credit decisioning expertise.
One of our founders had previously co-founded a highly successful Eastern European neobank with a multi million customer base.
We launched our first market with Leobank in Azerbaijan in 2021, where we have already established market leading positions. Our next market was Vietnam, where we launched Liobank in early 2023 and also gained solid traction.
We have a few more new markets in the pipeline for the next 12 months, and we are starting to build the team there.

Why Fintech Farm is a great place to be
Our ambition. We are looking to become a leading consumer digital bank brand in each market we operate making it easy for consumers to interact with their money. You could be a part of this exciting journey.

Our culture.
Customers. We always go above and beyond to provide an amazing customer experience. We serve our customers the way we would want our mom to be served. And who said that banking has to be boring? We make our apps not just easy but fun to use.
People. We are all business partners in our company. Each of us thinks big, acts as if we own the place, and never takes “No” as an answer. We work with strong individuals whom we empower and trust rather than micromanage. Common sense rather than formal policies prevails in all that we do. We always stay curious and open-minded. We embrace the We over Me culture.

 

What You Will Be Doing

• Perform business analysis and define requirements for Credit Decision Systems (CDS) with a focus on credit risk management.
• Break down complex problems and manage the delivery process, collaborating with multiple teams and stakeholders.
• Lead CDS changes through the entire lifecycle — from hypothesis to testing, implementation, and continuous improvement.
• Analyze large datasets to detect patterns, assess credit performance, and enhance risk models.
• Design and automate credit portfolio performance reports.
• Document all relevant business processes to ensure clarity and scalability across teams.

Who You Are

• ✅ Proven experience as a Business Analyst, ideally within financial services or credit risk domains.
• ✅ Previous exposure to retail risk management or credit underwriting is a strong plus.
• ✅ Deep understanding of project management frameworks (Agile, Scrum, etc.).
• ✅ Strong collaboration and communication skills — especially when working with IT / data teams.
• ✅ Analytical mindset with a structured, systematic approach.
• ✅ Experience with SQL, Power BI, or similar tools is a plus.
• ✅ Open to using AI-powered tools for automation, data analysis, and process optimization.

🔗 Ready to help us build the future of digital banking in emerging markets?
Apply now and become part of the Fintech Farm journey.