ABOUT US At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy. ABOUT THE TEAM The Credit Analytics team sits at the heart of OakNorth's lending business, providing rigorous financial analysis and credit assessment across a diverse portfolio of commercial loan opportunities. We work closely with Debt Directors, Risk, and client-facing teams in the UK to ensure every lending decision is underpinned by deep analytical insight and a thorough understanding of the borrower's operating environment. ABOUT THE ROLE We're looking for a Senior Associate to join our Credit Analytics team, taking ownership of detailed loan analysis across sectors and geographies. You'll build financial models, draft concise and well-structured credit reports, conduct sensitivity and stress testing, and engage directly with clients to discuss data and analytical frameworks. This is a high-impact role for someone who combines strong financial acumen with sharp communication skills and a genuine curiosity for business and markets. WHAT YOU'LL DO • Conduct detailed analysis of loan opportunities across various sectors and geographies, developing a thorough understanding of each borrower's business and operating environment. • Draft concise, well-structured credit reports with clear key takeaways for Credit and Risk to review and comment on. • Build detailed financial models covering transaction details, financial statement analysis, projections, ratio analysis, and credit metrics. • Conduct sensitivity analysis and stress testing on projections to assess loan serviceability under adverse scenarios. • Identify deal-specific covenants that can serve as early warning signals for loan monitoring purposes. • Conduct detailed industry and market studies to understand the operating environment of borrowers. • Interact with clients to discuss data gaps, inconsistencies, and analytical frameworks; liaise with Debt Directors and other UK stakeholders throughout the credit process. YOU'LL BE A GREAT FIT IF YOU HAVE… • 5+ years of relevant experience in credit analysis, financial analysis, or a related role within financial services. • Strong financial analysis skills with a thorough understanding of accounting and financial concepts, including the ability to build and interrogate detailed financial models. • Proven ability to draft clear, concise, and well-reasoned credit reports for senior stakeholders. • Strong communication skills with confidence interacting with Debt Directors, clients, and other stakeholders across geographies. • A proactive, results-driven mindset — curious, flexible, hands-on, and comfortable operating at pace in an environment where change is part of daily work. Nice to Have • MBA, PGDM, CA, or CFA from a reputed institute. • Experience conducting industry or market studies across multiple sectors. • Prior exposure to covenant structuring or loan monitoring frameworks. WHAT WE OFFER • Health & Protection: Comprehensive medical cover for you, your family, and parents, along with life and accidental insurance cover at a multiple of your salary. • Wellbeing: Annual health check-ups, online doctor consultations, pharmacy discounts, nutritionist support, and Employee Assistance Program (EAP) services — all sponsored by OakNorth. • Time Off: Earned leave, casual/sick leave, public holidays, maternity leave, and paternity leave. • Life Milestones: Financial support for important life events such as marriage, childbirth, and bereavement. • Flexible Benefits: Tax-efficient allowances for internet, fuel, meals, leave travel, and National Pension System (NPS) contributions. • Growth & Development: Support for professional certifications, learning and development opportunities, childcare benefits, and paid volunteering days. • Our Workplace: Modern, centrally located offices, weekly business updates, team events, and great coffee. We work hard to build a culture worth showing up for.