Data Analyst - Credit

Job Description

Requirements

• Academic background in a mathematical discipline (e.g. Mathematics, Statistics, Physics, or related field)
• Minimum of 3 years' experience as a Quantitative Analyst or Data Analyst in financial services, fintech or e-commerce
• Strong proficiency in SQL for data extraction and manipulation
• Hands-on experience with Python or R statistical programming languages
• Solid understanding of statistical tests commonly used in A/B testing
• Proven experience developing and maintaining analytical reports or dashboards end-to-end
• Ability to interpret and present insights from reports in a business context
• Strong understanding of credit risk metrics (annualised loss, vintage curves, roll rates, EAD, LGD) preferred

Responsibilities

• Analyze portfolio performance metrics to identify trends, risks, and opportunities
• Review and refine credit policies, including rule-based decision engines
• Build and maintain profit and loss forecasts to guide strategic decisions
• Conduct credit limit assignment and affordability assessments
• Perform score cut-off analysis to improve approval and risk strategies
• Monitor and enhance collection strategies based on customer segmentation and outcomes
• Design and run A/B tests to assess and optimize lending and collections performance
• Communicate actionable insights and recommendations to senior stakeholders

Benefits

• Great and upbeat work environment populated by a multinational team
• Pension
• Career development & growth
• Competitive annual leave plus bank holidays
• Competitive paid time off (Parental, Moving day, Birthday, Study leave)
• Group life insurance
• Medical insurance
• Welfare package (Wedding, Compassionate, etc.)
• Perkbox
• Employee wellness app (Goalr)
• Award winning L&D training
• Hybrid work schedule