Credit Risk analyst

Your Role:
Perform business analysis and define requirements for Credit Decision Systems (CDS) with a focus on credit risk management. You will work across multiple teams to design, implement, and improve CDS processes, ensuring effective risk management and scalable business operations.
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 and data teams.


• Analytical mindset with a structured, systematic approach.

Your Experience:

• Demonstrated experience as a Business Analyst in fintech or banking.


• Familiarity with credit risk or CDS platforms.


• Track record of collaborating across technical and non-technical teams.


• Strong data literacy and ability to interpret credit and performance data.


• Experience with SQL, Power BI, or similar tools is a plus.

What we are offering

• Competitive salary is negotiable depending on the candidate's level


• Share options


• We are still a start-up and more benefits are on the way

About Fintech Farm
We are a UK fintech creating successful neobanks in emerging markets in partnerships with local traditional banks. The mission is to make banking services accessible, simple and fun to use worldwide and the goal is to launch neobanks in 50+ markets, serving 100m+ customers.
Our success builds upon a best-in-class product, customer experience, emotional engagement, viral marketing and deep credit-decisioning expertise across our product suite covering credit, payments, savings and investments. One of our founders also previously co-founded a highly successful Eastern European neobank (Monobank) with 10m+ customers.
Since our foundation in 2020, we’ve so far launched neobanks in Azerbaijan (2021), Vietnam (2023), Kyrgyzstan (2024) and India (2025), with 2m+ customers collectively and have more markets on the near horizon!
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 have 250 employees now at Fintech Farm and we are all business partners in our company. Each of us thinks big, acts as if we own the place and never takes “no” for 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.