Junior Credit Risk Analyst

• Join Atom bank’s Credit Risk team as a Junior Credit Risk Analyst, working hybrid from Newcastle. • Support the review, oversight and strategic development of credit performance across all lending products. • Turn complex data into clear insights that shape lending strategies, automated credit decisions and portfolio quality. • Grow into owning Atom’s credit risk MI processes end to end for key governance committees. • Spot emerging trends, raise alerts and recommend strategy changes to senior stakeholders. • Apply with strong data analysis experience from any sector.

• Bring exceptional data manipulation, interpretation and problem-solving skills with strong attention to detail. • Use MS Excel confidently to organise data, analyse trends and build clear reports. • Translate complex quantitative data into plain English and actionable recommendations. • Investigate data independently and with curiosity before escalating questions. • Hold the legal right to work in the UK, as visa sponsorship isn’t available.

• Bring experience in retail credit risk, commercial credit or mortgage underwriting. • Show experience with R, SAS or Python, or an eagerness to learn them. • Bring experience running champion:challenger tests. • Show experience producing MI packs for governance committees.

• Produce and analyse credit risk MI to monitor all credit risk strategies. • Analyse new business flows, portfolio management and credit quality. • Help develop and refine credit risk and affordability strategies, including champion:challenger tests. • Work with Commercial, Finance, Operations and Underwriting teams and external partners to refine strategies. • Document and test credit data, decision frameworks and credit models thoroughly.

Atom bank is one of the most compelling places to work in UK fintech right now, and not just because of the four-day working week. Atom became profitable for the first time in 2024 and has grown its loan book by 29% to £5.3 billion, while being consistently rated the UK's highest-rated bank by its customers on Trustpilot. The four-day work week is real and established: in November 2021, Atom became the largest company and only bank in the UK to introduce the policy for all employees, genuinely reducing contracted hours from 37.5 to 34 per week with no salary cut, and job applications rose 49% as a result. There is also genuinely no mandatory office attendance, with only around 10% of staff regularly coming in. What really stands out is that Atom has done all of this from Newcastle, building one of the UK's best-loved banks without ever opening a London office. Glassdoor reviewers consistently highlight the brilliant people, the no-blame culture, and the interesting and meaningful work. The main caveat to note is that some employees, particularly at more senior levels, have reported limited progression opportunities as the company matures beyond its early startup phase. But if you want to work somewhere that backs its values with action, a genuinely flexible, people-first bank that is growing sustainably and has a product its customers genuinely love, Atom is hard to beat.

• Earn a salary of up to £36,000 plus a discretionary cash bonus. • Work hybrid in Newcastle on a 4-day week. • Receive a generous pension with up to 13% employer contribution. • Take 22.5 days’ annual leave plus public holidays. • Get private medical insurance, a health cash plan, life insurance and critical illness cover. • Use a £200 yearly “All About Me” fund for personal development. • Join the electric vehicle scheme.

Atom bank is a UK digital bank on a mission to make finance faster, simpler and more human. It has moved away from the traditional banking model to build products that work for customers whenever and wherever they need them. Atom is regulated by the PRA and FCA and is based in the North East of England.