Credit Risk Analyst

At Fluro, we’re on a mission to create a lasting, positive change in the credit industry. As a fast-growing fintech team, we’re building pioneering, fair and accessible digital finance products designed for the UK market-driven by a belief that finance can be a force for good. From our brand to our environmental footprint, we care about the details and do things with purpose.

We foster a highly collaborative culture that values both collective progress and individual autonomy. Whether you’re an experimenter, a strategic, a maker, or all three- you’ll find the freedom to work in a way that suits you best, while making real impact. Innovation is central to how we operate, and we’re not afraid to try new things (and sometimes fail) in pursuit of better solutions.

Fluro is proud to be an equal opportunities employer. We’re committed to building for good-for all people. That means listening more than speaking, and creating space for diverse experiences, backgrounds, and voices to shape our future. If you’re passionate about making finance fairer, smarter, and more human, we’d love to hear from you.

Role As a Credit Risk Analyst, you will join our Analytics team, supporting the development, testing and monitoring of strategies that balance risk and commercial outcomes across the lending lifecycle. The role sits at the intersection of credit risk, fraud and pricing, and requires a strong grasp of the economics behind lending decisions and the risk controls around them.

Your focus will typically start in one area, credit risk, fraud, or pricing, and you'll build outward from there. Support the development, testing and monitoring of credit, fraud or pricing strategies, working with credit bureau, internal and market data to understand risk, return and performance drivers.

• Analyse the commercial impact of strategy and pricing decisions, helping to understand the trade-off between risk, volume and margin.
• Carry out regular data extraction, analysis and reporting to track whether strategies and the portfolio are performing against both risk and commercial expectations, flagging where they are not and helping to identify why.
• Assist with the implementation of strategy changes across acquisition channels, working alongside more senior analysts and managers to understand the rationale and expected impact.
• Investigate performance trends and anomalies, working through problems methodically and presenting findings clearly.
• Build working knowledge across credit, fraud and pricing over time, taking on stretch pieces in adjacent areas as capability develops.
• Support ad hoc analysis requests from across the business, translating questions into structured, data-led answers.
• Keep up to date with emerging market trends and industry practice, including external benchmarking and independent reading Need to haves:
• Strong problem-solving skills and a structured, analytical approach to working through ambiguous questions.
• Relevant experience within lending, in at least one of: credit risk analytics or pricing.
• Working proficiency in Python and/or SQL, and confident use of Excel.
• Comfortable working with a range of data sources.
• Ability to communicate findings clearly to both technical and non-technical audiences.
• Comfortable working independently, taking ownership of tasks and asking good questions when something is unclear.
• Curiosity and a genuine interest in developing into a broader strategy analyst over time. Nice to haves:
• Exposure to pricing strategy or modelling.
• Experience with Tableau or a similar data visualisation tool.
• Awareness of the UK consumer credit market and FCA regulations, in particular CONC.
• Familiarity with credit bureau data (Experian, Trans. Union, Equifax). Pension scheme – Fluro matches up to 5%
• Health Insurance, which includes covering the full cost of premiums and can be extended to cover any dependants who live at the same address
• Fluro pays up to £30 per month towards an employee’s gym membership
• Life insurance policy – 4x salary
• Income protection policy