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  • Credit Analyst
    Credit Analyst
    1 day ago
    Full-time
    London

    About the job Job Title: Credit Analyst Department: Credit and Risk Location: London, Paddington Office based Hybrid or Remote: Office based (full time) Type: Permanent Job Purpose This is a core role within Winyield’s credit and risk function, responsible for the assessment, monitoring, and governance of both consumer and business lending exposures. The Credit Analyst will play a central role in designing and operating disciplined underwriting processes, maintaining robust credit policies, and supporting the responsible scaling of Winyield’s lending activities. The role requires a strong understanding of UK consumer credit standards alongside experience assessing small business and SME credit risk. The Credit Analyst will work closely with senior management, operations, product, and technology teams to ensure credit decisions are consistent, well-documented, and embedded into scalable systems and controls. Key Responsibilities Credit Analysis and Underwriting • Assess the underwriting rules for consumer and business credit applications using financial, behavioural, and affordability data, • Perform affordability assessments, income verification, cash flow analysis, and stress testing in line with UK responsible lending standards, • Apply and continuously refine credit policies, decision frameworks, and eligibility criteria, • Produce clear, consistent, and well-documented credit rationales suitable for internal review, audit, and regulatory scrutiny Automation, Data, and AI-driven Underwriting • Support the design and implementation of automated underwriting workflows for consumer and business lending, • Work with product and technology teams to translate credit policies into system-based rules, decision engines, and AI-assisted models, • Help define controls, monitoring, and explainability requirements for automated and AI-supported credit decisions, • Review model outputs, exceptions, and overrides to ensure outcomes remain consistent with policy and risk appetite Investment memo and portfolio analysis • Build investment memo on new portfolio and origination opportunities with the required loan tape analysis Policies, Governance, and Controls • Maintain and update credit policies, underwriting manuals, and procedural documentation, • Ensure strong governance around credit decisioning, overrides, and exceptions, • Support internal reviews, audits, and information requests with accurate and complete documentation, • Contribute to the ongoing development of compliant customer journeys from a credit risk perspective Cross-functional Collaboration • Work closely with operations and collections teams to ensure alignment between underwriting assumptions and real-world outcomes, • Support senior management with credit reporting, portfolio analysis, and ad-hoc risk assessments, • Contribute to strategic initiatives aimed at scaling WinYield’s lending platform in a controlled and compliant manner Requirements • Minimum 4 years of experience in credit analysis, underwriting, or credit risk, • Demonstrable experience with UK consumer and SME credit, including affordability assessments and responsible lending principles, • Strong understanding of credit governance, documentation standards, and auditability, • Exposure to automated or AI-supported underwriting systems, • Strong analytical skills and attention to detail, with sound credit judgement, • Comfortable working with data, codes, and internal risk dashboards What We Offer • Competitive compensation, • The opportunity to play a foundational role in a fast growing lending fintech company., • Close collaboration with senior leadership and influence over credit strategy and framework design, • A high-accountability, intellectually rigorous working environment based in London How to Apply Submit an application by 31 January 2026

    No experience
    Easy apply
  • AI Engineer Placement Programme
    AI Engineer Placement Programme
    18 days ago
    £25000–£45000 yearly
    Full-time
    Bromley

    Are you looking to kick-start a new career in Ai? We are recruiting for companies who are looking to employ our Ai Engineer Traineeship graduates to keep up with their growth. The best part is you will not need any previous experience as full training will be provided. You will also have the reassurance of a job guarantee (£25K-£45K) within 20 miles of your location upon completion. Whether you are working full time, part-time or unemployed, this package has the flexibility to be completed at a pace that suits you. The traineeship is completed in 4 easy steps, you can be placed into your first role in as little as 6-12 months: How It Works Step 1: Introduction to AI Start with beginner-friendly, bite-sized courses designed to build your foundational knowledge in AI. You’ll learn through interactive videos, quizzes, and tutorials covering key AI concepts and applications. Step 2: Full‑Stack AI Training Progress into in-depth training covering: Python programming for AI Data handling and processing Machine learning fundamentals Version control with Git & GitHub You’ll work on mini-projects throughout this stage, applying your new skills to practical tasks as you learn. Step 3: Certification Prepare for and pass the Microsoft AI-900: Azure AI Fundamentals exam — a globally recognised certification that proves your understanding of AI workloads and responsible AI principles, boosting your credentials with employers. Step 4: Real‑World Projects Complete two real-world AI projects assigned by your tutor to demonstrate your practical capabilities and build a professional portfolio. Once both projects are approved, you’ll be fully portfolio-ready and prepared to enter the industry. Your Career Path Once you have completed all of the mandatory training, which includes the online courses, practical projects and building your own portfolio, we will place you into a Ai role, where you will be guaranteed a starting salary of £25K-£45K. We have partnered with a number of large organisations strategically located throughout the UK, providing a nationwide reach of jobs for our candidates. We guarantee you will be offered a job upon completion, or we will refund you 100% of your course fees back. We have a proven track record of placing 1000+ candidates into new roles each year. Check out our website for our latest success stories. Interested in a future-proof career in AI? Apply now, and one of our friendly advisors will reach out to guide you through the process.

    Immediate start!
    No experience
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  • Software Engineer
    Software Engineer
    1 month ago
    £41700–£44350 yearly
    Full-time
    London

    Overview: London Recruitment Services is currently recruiting on behalf of our client, a dynamic and fast-growing technology solution provider based in London, for the position of Software Engineer. This role is ideal for a highly skilled and technically proficient individual with strong leadership capabilities and a deep understanding of IT systems & infrastructure. You will work closely with our technical leads and product teams to build robust solutions that support the company’s long-term growth. The Role As a Software Engineer, you will play a key role in designing, developing, and maintaining high-quality software applications. You will work closely with our technical leads and product teams to build robust solutions that support the company’s long-term growth. This role is eligible for sponsorship under the Skilled Worker Visa (SOC 2136 – Programmers and Software Development Professionals). Key Responsibilities • Develop, test, and maintain high-quality software solutions., • Write clean, efficient, and well-documented code., • Contribute to system and application design, architecture, and planning., • Debug, diagnose, and resolve software defects and performance issues., • Collaborate with cross-functional teams including product managers, designers, and QA engineers., • Participate in code reviews and ensure development best practices., • Support continual improvement in development processes and tools. Essential Skills & Experience • Strong programming experience in at least one major language (e.g., Java, Python, C#, JavaScript, Go, or similar)., • Experience with software development lifecycle (SDLC) methodologies., • Knowledge of databases (SQL or NoSQL)., • Understanding of version control (e.g., Git)., • Ability to solve complex technical problems and think analytically., • Good communication skills and ability to work in a team environment. Desirable Skills • Experience with cloud platforms (AWS, Azure, or GCP)., • Familiarity with microservices, containerisation (Docker, Kubernetes)., • Front-end experience (React, Angular, Vue) or mobile development., • Experience working in an Agile environment. Benefits: • Competitive salary aligned with experience and visa requirement, • Visa sponsorship and compliance support, • Opportunity to work in a fast-growing technology environment, • Long-term career growth within the business support function Application Deadline: Applications will be evaluated continuously as they are received. Please ensure your submission by 20th December 2025 How to Apply: Interested candidates should apply through Job Today or send their CV and a short cover letter. Please note: Only shortlisted applicants will be contacted

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