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- Tasks: Own and optimise fraud detection rules while collaborating with various business stakeholders.
- Company: Join Capital on Tap, a leading provider of business credit solutions for over 200,000 businesses worldwide.
- Benefits: Enjoy perks like private healthcare, a dog-friendly office, and a generous holiday allowance.
- Why this job: Be part of a dynamic team that empowers innovation and problem-solving in a fast-paced environment.
- Qualifications: Requires 3+ years in risk analysis, strong SQL and Python skills, and a degree in Economics or STEM.
- Other info: This hybrid role is based in our vibrant Shoreditch office, with a fun and inclusive culture.
The predicted salary is between 36000 - 60000 £ per year.
Responsibilities of your role will include:
- Owning, monitoring, and continually optimizing our fraud detection rules.
- Applying advanced analytics to maximize the efficiency and effectiveness of our Financial Crime detection processes.
- Maximizing the performance of our collections function through scoring and segmentation to optimize our approach at a customer level.
- Working with external vendors to continually evaluate innovative or alternative products and tools.
- Proactively championing the best use of AI to accelerate the delivery of analytical output and as an integral part of our business solutions.
Your role will involve presentation to and active collaboration with a wide group of business stakeholders including Operations, Credit, Senior Management, and external business partners.
We\’re Looking For
- At least three years of risk analysis experience, ideally including credit cards, fraud, collections, or financial crime.
- Highly analytical and comfortable conducting complex analysis using SQL and Python.
- Exceptional attention to detail, problem-solving skills, and a \’can-do\’ attitude to thrive in a fast-paced, high-growth environment.
- Excellent collaboration skills and a natural team player.
- Strong verbal communication skills, including the ability to clearly explain complex concepts to analysts, business stakeholders, and senior leadership.
- Degree level of 2.1 or above, preferably in Economics or STEM subjects.
Diversity & Inclusion
We welcome, consider, and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.
Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time), so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
- Private Healthcare including dental and opticians services through Vitality
- Worldwide travel insurance through Vitality
- Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
- Salary Sacrifice Pension Scheme up to 7% match
- 28 days holiday (plus bank holidays)
- Annual Learning and Wellbeing Budget
- Enhanced Parental Leave
- Cycle to Work Scheme
- Season Ticket Loan
- 6 free therapy sessions per year
- Dog-Friendly Offices
- Free drinks and snacks in our offices
Check out more of our benefits, values, and mission on our website.
Interview Process
- First stage: 30-minute intro and values call with Talent Partner (Video call)
- Second stage (in person): 45-minute technical assessment, 60-minute case study, 45-minute competency-based interview
- Final stage: 30-minute executive interview
Other Info: Check out our \’Top Tips\’ for interviewing.
Keep updated on new job opportunities by following us on LinkedIn. Email careers@capitalontap.com if you have questions. Excited to work here? Apply! We aim to respond within 3 working days (up to 5 during busy periods).
We are Capital on Tap, founded to help small business owners. We provide a business credit card & spend management platform serving over 200,000 businesses worldwide. Our goal is to help 1 million small businesses by 2030.
Why Join Us? We empower you to innovate, solve complex problems, take ownership, and thrive in an agile environment. This is a hybrid role, with the Risk team working from our London (Shoreditch) offices 3 days per week.
What You\’ll Be Doing
We are looking for a Risk Analyst to join our risk analytics team. You will work across Fraud, Fincrime, Collections, and Disputes, using data and analytics to optimize risk-based decision-making, minimize credit losses, and ensure regulatory compliance. You will play a central role in our risk analytics team.
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Data Scientist - Risk Analysis employer: Capital on Tap
Contact Detail:
Capital on Tap Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Data Scientist - Risk Analysis
✨Tip Number 1
Familiarise yourself with the latest trends in fraud detection and financial crime analytics. Being able to discuss recent advancements or tools during your interview will show your passion for the field and your proactive approach.
✨Tip Number 2
Brush up on your SQL and Python skills, as these are crucial for the role. Consider working on a small project or case study that showcases your ability to apply these languages in real-world scenarios, which you can mention during your discussions.
✨Tip Number 3
Prepare to demonstrate your collaboration skills by thinking of examples where you've successfully worked with diverse teams. Highlighting your ability to communicate complex concepts clearly will resonate well with the interviewers.
✨Tip Number 4
Research Capital on Tap's mission and values thoroughly. Understanding their commitment to inclusivity and innovation will help you align your answers with their culture, making you a more attractive candidate.
We think you need these skills to ace Data Scientist - Risk Analysis
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in risk analysis, particularly in areas like fraud detection and financial crime. Use specific examples to demonstrate your analytical skills with SQL and Python.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Mention how your background aligns with their needs, especially your experience in optimising fraud detection processes and collaborating with stakeholders.
Showcase Your Analytical Skills: Provide concrete examples of past projects where you applied advanced analytics. Discuss how you maximised efficiency in previous roles, particularly in collections or fraud detection, to illustrate your problem-solving abilities.
Prepare for Interviews: Familiarise yourself with common interview questions related to risk analysis and be ready to explain complex concepts clearly. Practice articulating your thought process and how you approach data-driven decision-making.
How to prepare for a job interview at Capital on Tap
✨Showcase Your Analytical Skills
As a Data Scientist in Risk Analysis, you'll need to demonstrate your analytical prowess. Be prepared to discuss specific projects where you've used SQL and Python to solve complex problems. Highlight any experience you have with fraud detection or financial crime analytics.
✨Prepare for Technical Assessments
Since the interview process includes a technical assessment, brush up on your coding skills and be ready to tackle real-world scenarios. Practice common data science problems and be familiar with the tools and techniques relevant to risk analysis.
✨Communicate Clearly
Strong verbal communication is key in this role. Practice explaining complex concepts in simple terms, as you'll need to present your findings to various stakeholders. Consider using examples from your past experiences to illustrate your points.
✨Emphasise Collaboration
This position requires excellent collaboration skills. Be ready to discuss how you've worked effectively in teams, especially in cross-functional settings. Share examples of how you've engaged with different departments or external partners to achieve common goals.