At a Glance
- Tasks: Drive credit strategy through deep-dive analyses and product experimentation.
- Company: Join a dynamic fintech shaping the future of credit.
- Benefits: Competitive salary, flexible working, and opportunities for growth.
- Other info: Collaborative environment with a focus on innovation and career development.
- Why this job: Make a real impact on credit products and influence key decisions.
- Qualifications: Proficient in SQL and Python with fintech experience.
The predicted salary is between 50000 - 65000 € per year.
Requirements
- Analytical Strategist: You don’t just pull data; you interpret it through a commercial lens to drive better credit outcomes.
- Technical Craftsman: You advocate for clean code, automated workflows, and the 'Modern Data Stack' philosophy over legacy manual reporting.
- Precision-Focused: You understand that in credit, accuracy is non-negotiable. You bring a rigorous approach to data validation and financial logic.
- Effective Communicator: You can navigate a technical discussion with Data Engineers and then pivot to a strategic briefing with the Head of Credit or CFO.
- Fintech Native: You thrive in fast-paced environments, take full ownership of the analytical lifecycle, and prefer building scalable solutions over quick fixes.
- Senior-Level Technical Stack: Expert proficiency in SQL and Python (Pandas, NumPy, etc.) for data manipulation and analysis.
- Modern Data Tooling: Hands-on experience working within a cloud data warehouse (e.g., Snowflake, BigQuery) and a strong mastery of dbt for data transformation and modeling.
- Fintech Credit Expertise: Significant experience within a modern UK fintech or high-growth consumer lender, with a deep understanding of the credit product lifecycle beyond traditional credit reporting.
- Strategic Modeling: A proven track record in conducting advanced cohort analysis, portfolio valuations, and financial modeling to support executive decision-making.
- Domain Knowledge: Fluency in credit portfolio KPIs, risk metrics (e.g., PD, LGD, EAD), and the nuances of credit bureau data.
- Impact-Driven: Experience translating complex technical analysis into actionable product or risk interventions that have moved the needle on business performance.
Don’t meet every single requirement in the job ad? Research shows that candidates from underrepresented backgrounds often hesitate to apply if they don't check every box. If you are excited about this role and our mission, we encourage you to apply anyway. You might be just the right person for this, or other roles.
What the job involves
You will be the Analytical Engine driving our credit strategy and portfolio performance with Senior Product Management. As a Product Analyst, your primary focus is crafting deep-dive analyses for the high-leverage intelligence and product experimentation used to scale our credit products.
In this role you will be helping shape the credit roadmap. By uncovering hidden trends and surfacing leading risk indicators, you will tell the story behind the numbers, propose product improvements, empowering senior leadership to make high-stakes, fast-paced decisions across the entire lending lifecycle.
This is a high-impact individual contributor role in the Data team embedded within the Credit function and acting as a technical bridge between Data Engineering, Risk, and Commercial teams.
- Advanced Analytics & Modeling: Lead complex, ad hoc investigations into portfolio performance and credit risk drivers, using SQL to move beyond surface-level metrics.
- Product A/B Testing: Propose and set up product experiments on Statsig to improve Credit product for our customers based on analytical findings.
- Modern Data Stack Ownership: Design, build, and maintain robust data models in dbt, ensuring our credit data layer is scalable, version-controlled, and optimized for performance.
- Strategic Cohort & Valuation Analysis: Architect sophisticated cohort models to drive unit economics, portfolio valuation, and LTV projections that inform our long-term commercial strategy.
- Predictive Insights: Proactively identify emerging risks and growth opportunities, moving from 'what happened' to 'what will happen' through rigorous analytical reasoning.
- Stakeholder Influence: Deliver high-density deep-dives for strategic initiatives, presenting technical findings with clarity and commercial 'so-what' to senior stakeholders.
- Cross-Functional Leadership: Partner with Decision Science and Product squads to ensure data-driven insights are seamlessly integrated into automated underwriting and product features.
- Regulatory Rigor: Maintain the integrity of our analytical frameworks, ensuring all outputs align with internal standards and FCA/CONC guidelines.
Product Analyst (Credit) employer: Deepstreamtech
As a Product Analyst in our dynamic fintech environment, you will thrive in a culture that champions innovation and precision. We offer a collaborative workspace where your analytical skills will directly influence credit strategy and portfolio performance, alongside opportunities for professional growth and development. With a commitment to modern data practices and a focus on impactful decision-making, we empower our employees to drive meaningful change in the lending landscape.
StudySmarter Expert Advice🤫
We think this is how you could land Product Analyst (Credit)
✨Tip Number 1
Network like a pro! Reach out to folks in the fintech space, especially those who work at companies you're interested in. A friendly chat can open doors and give you insider info that could help you stand out.
✨Tip Number 2
Show off your skills! If you've got experience with SQL or Python, consider creating a small project or analysis to showcase your abilities. Share it on platforms like GitHub or LinkedIn to grab attention.
✨Tip Number 3
Prepare for interviews by diving deep into the company’s credit products and recent news. Being able to discuss their strategies and challenges will show you're genuinely interested and ready to contribute.
✨Tip Number 4
Don’t forget to apply through our website! We love seeing candidates who are excited about our mission. Even if you don’t tick every box, your passion and unique perspective might just be what we need.
We think you need these skills to ace Product Analyst (Credit)
Some tips for your application 🫡
Show Your Analytical Skills:When you write your application, make sure to highlight your analytical prowess. We want to see how you interpret data through a commercial lens, so share examples of how you've driven better outcomes in previous roles.
Be Precise and Clear:Accuracy is key in credit analysis, so ensure your application is free from errors. Use clear language and structure your thoughts logically to demonstrate your precision-focused mindset.
Communicate Effectively:We love effective communicators! In your application, show us how you can navigate technical discussions and pivot to strategic insights. This will help us see your versatility in communication.
Embrace the Fintech Vibe:Let your passion for fintech shine through! Share your experiences in fast-paced environments and how you've taken ownership of the analytical lifecycle. Remember, we encourage you to apply even if you don’t meet every requirement!
How to prepare for a job interview at Deepstreamtech
✨Master the Data Stack
Make sure you brush up on your SQL and Python skills, especially with libraries like Pandas and NumPy. Be ready to discuss how you've used these tools in past projects to manipulate and analyse data effectively.
✨Showcase Your Analytical Mindset
Prepare examples of how you've interpreted data through a commercial lens. Think about specific instances where your analyses led to actionable insights or product improvements, and be ready to share these stories during the interview.
✨Communicate Like a Pro
Practice explaining complex technical concepts in simple terms. You’ll need to pivot between technical discussions with Data Engineers and strategic conversations with senior leadership, so being able to communicate clearly is key.
✨Understand the Credit Landscape
Familiarise yourself with credit portfolio KPIs and risk metrics. Being able to discuss the nuances of credit bureau data and how it impacts decision-making will show that you’re not just technically savvy but also have a strong grasp of the fintech environment.
