ABOUT US:

Foundation Home Loans are a specialist mortgage lender, based in Bracknell in Berkshire. We are specialists because we understand the market and because we know that not everyone has straightforward requirements when it comes to mortgages.
We are looking to enhance our team and currently have a vacancy for an experienced Senior Credit Risk Analyst.

KEY ACCOUNTABILITIES:

• Leading front-end credit strategies using champion-challenger models, retrospective ‘what-if’ analysis, credit scoring, and early warning systems.
• Delivering expert data analytics across the end-to-end (E2E) decision journey to identify opportunities for growth, efficiency, and improved customer outcomes.
• Collaborating with IT and support functions to shape the E2E systems architecture as we expand into new markets and products.
• Supporting operational teams with broker and customer queries, including credit file discrepancies, affordability assessments, and decisioning logic.
• Decision Engine experience is critical.

WHO WE ARE LOOKING FOR?

We are seeking a proactive and analytical Credit Risk professional who thrives in a fast-paced, data-driven environment.

You’ll be a great fit if you have:

• Proven experience in a credit risk environment, ideally with mortgage portfolios and decision engine platforms.
• A delivery-focused mindset with the ability to contribute strategically while remaining hands-on.
• Excellent communication skills, with the ability to build strong relationships across internal teams and with third-parties.
• Strong analytical and problem-solving skills, with meticulous attention to detail.
• A degree in a numerate discipline such as Mathematics, Statistics, Economics, or Finance.
• Proficiency in analytical tools such as Excel, SQL, SAS, Python, and Power BI.

Experience:

• Senior Credit Risk Analyst : 3 years (required

Foundation Home Loans exists to enable home and property ambitions for everyone, and our vision is to be the most trusted lender.
We have a firm commitment to our employee value proposition (EVP) and environment, social and governance (ESG) credentials, and have partnered with a charity called Centrepoint who provide accommodation and support to homeless people aged 16 to 25.

Our people embrace our values:

• Fair - We are open minded and make unbiased, consistent decisions.
• Accountable - We take ownership of situations so that our customers get the right outcome.
• Customer first - We understand what our customers want and build strong relationships.
• Transparent - We communicate clearly and concisely, ensuring that we are open with information at all times.

Job Types: Full-time, Permanent
Pay: £50,000.00-£70,000.00 per year

Additional pay:

• Bonus scheme

Benefits:

• Company events
• Company pension
• Enhanced maternity leave
• Free parking
• Life insurance
• On-site parking
• Paid volunteer time
• Private dental insurance
• Private medical insurance
• Referral programme
• Sick pay

Schedule:

• Monday to Friday

Ability to commute/relocate:

• Bracknell RG12 1WA: reliably commute or plan to relocate before starting work (required)

Experience:

• Senior Credit Risk Analyst : 3 years (required)

Work authorisation:

• United Kingdom (required)

Work Location: Hybrid remote in Bracknell RG12 1W