---
title: 'AVP/DVP - Credit Analytics at OakNorth'
canonical: 'https://feeny.ai/job/avp-dvp-credit-analytics-oaknorth-gurugram-dekvrm0e63w2'
type: 'job'
last_seen: '2026-09-03'
---

# AVP/DVP - Credit Analytics at OakNorth

- **Company:** OakNorth
- **Location:** Gurugram, India
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-05
- **Last confirmed live:** 2026-09-03
- **Apply:** https://jobs.ashbyhq.com/oaknorth/983a0d78-becc-45ba-8133-f360af96e38a

## Job description

## 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 ROLE

As a Credit Analyst at OakNorth, you will play a key role in evaluating and structuring loan opportunities across a range of sectors and geographies. Reporting into the Credit team, you will produce high-quality credit analysis and financial models that directly support OakNorth's mission to back the UK's most ambitious businesses.

## WHAT YOU'LL DO

- Conduct detailed analysis of loan opportunities across various sectors and geographies
- Draft concise, well-structured credit reports with clear takeaways for credit and risk teams to review
- Develop detailed financial models covering transaction details, financial statement analysis, projections, ratio analysis and credit metrics
- Conduct sensitivity and stress-testing analysis on projections to assess loan serviceability
- Identify deal-specific covenants that can serve as early warning signals during loan monitoring
- Carry out in-depth industry and market studies to understand the operating environment of borrowers
- Interact directly with clients to discuss data gaps, inconsistencies and analytical frameworks

YOU'LL BE A GREAT FIT IF YOU HAVE…

- Strong financial analysis skills with a thorough understanding of accounting and financial concepts
- Proven ability to draft clear, compelling credit reports
- 5+ years of relevant experience in credit, lending or financial analysis
- Strong communication skills with the ability to engage confidently with Debt Directors, clients and other stakeholders
- An MBA, PGDM, CA or CFA qualification from a reputed institute

## Nice to Have

- A proactive, hands-on attitude with the ability to see the big picture
- Creative thinking and the ability to succeed in a fast-paced, high-change environment
- A team-player mindset — flexible, curious, result-driven and a fast learner

## 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.

## About OakNorth

## Company Overview
- **One-liner**: OakNorth is a UK-based digital bank founded by entrepreneurs, providing fast, flexible business loans and competitive savings accounts to support ambitious businesses and savers.
- **Entity Type**: Private (fully-licensed digital bank, profitable; not publicly listed)
- **Headquarters**: London, United Kingdom
- **Founded**: 2015
- **Founders**: Rishi Khosla and Joel Perlman

## Core Business
- **Primary industry**: Digital banking, commercial lending, retail savings
- **Target customers**: Lower mid-market businesses (entrepreneur-led, scaling fast) seeking debt financing from £1m to tens of millions; retail savers in the UK.
- **Mission**: “Banking should be barrier-free” – inspired by the founders’ own frustrations with traditional lending, OakNorth aims to back proven businesses with fast, data-driven credit decisions.

## Products & Services
- **Business Loans**: Flexible, structured debt financing from £1m to tens of millions for growth capital, acquisitions, management buyouts, and property development/investment.
- **Business Banking**: Digital account with dedicated support, seamless payments and cash management for scaling businesses.
- **Personal Savings**: FSCS-protected savings accounts (up to £120,000) with competitive interest rates, offered via a digital platform.
- **OakNorth Credit Intelligence (OCI)**: Data-driven technology platform that gives lenders a forward-looking view for agile credit decisions (used internally and sold to other institutions).

## Market Standing
- **Valuation**: Not publicly disclosed (private company)
- **Key Metric**: Cumulative lending of over £15.1bn since inception (2025). Annual profit of £165.2m in 2025. Total capital ratio of 18.4%.
- **Notable Investors/Partners**: Founded and led by Rishi Khosla & Joel Perlman; backed by a range of institutional investors (details not fully public). Over 400,000 retail savers provide deposit funding. Partnered with LSE Generate for mentorship.
- **Growth Signals**: Named **Best Bank in the UK** at The Banker’s Bank of the Year Awards 2025. Recognised by CNBC/Statista as one of the UK’s Top 250 Fintechs. Expanded lending into the US in 2023. Built a diversified business including Business Banking capability. 61,000+ jobs and 36,000+ new homes created through lending. Offices in London, Manchester, Leeds, Bristol, Newcastle, Birmingham, New York (OCI), and India (Gurugram, Bengaluru, Hyderabad).

## Competitive Advantages
- **Data-driven credit underwriting**: Uses proprietary analytics (OCI) to assess future potential, not just past financials, enabling faster, more accurate lending decisions.
- **Founder-led, flat organisational structure**: Decision-making is fast, with less bureaucracy than traditional banks.
- **Disciplined profitability**: One of the few digital banks globally to be consistently profitable, with extremely low credit losses (4.5 basis points of cumulative facilities).
- **Customer obsession**: High NPS and a culture of “customer delight” rather than mere satisfaction.

## Strategic Focus
- **US expansion**: Scaling lending in the US lower mid-market where a similar structural gap exists.
- **Business Banking rollout**: Building a full business banking capability beyond loans to deepen customer relationships.
- **Technology and data**: Continuing to invest in the OakNorth Credit Intelligence platform and automation.
- **ESG and community**: Net zero target by 2045; 1+1% initiative (1% of profits and 1% of employee time to charity).
- **Talent and culture**: Expanding teams across UK, US, and India while maintaining a founder-led, high-autonomy culture.

## Why Work Here
- **Equity**: Employees receive equity in the business, sharing in growth.
- **Flat structure**: Opportunity to interact with senior leaders and have real impact regardless of tenure.
- **Autonomy**: Personal goal-setting with manager support; freedom to take on projects of interest.
- **Mission-driven**: Directly contribute to creating jobs, homes, and supporting ambitious entrepreneurs.
- **Culture**: Values include “Say it how it is” (honest communication), “10x” (set ambitious goals), “One team”, and “Momentum”.
- **Hybrid/Office**: Multiple office locations across UK (London, Manchester, Leeds, Bristol, Newcastle, Birmingham) plus New York and India. Specific remote policies not detailed but likely hybrid for most roles.
- **Recognition**: Work for a bank that has won “Best Bank in the UK” and is seen as a top fintech employer.

## Sources
1. [OakNorth.co.uk – Home](https://oaknorth.co.uk/)
2. [OakNorth.co.uk – About/Our Story](https://oaknorth.co.uk/about/)
3. [OakNorth.co.uk – Careers](https://oaknorth.co.uk/about/careers/)
4. [OakNorth.co.uk – Annual Report 2025 (PDF)](https://oaknorth.co.uk/wp-content/uploads/2026/03/Annual_Report_2025.pdf)
5. [OakNorth.co.uk – Jobs](https://oaknorth.co.uk/jobs/)

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