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For Companies At a Glance
- Tasks: Analyse portfolio performance and provide insights to drive business decisions.
- Company: Join the UK's newest credit card provider focused on fair financial services.
- Benefits: Enjoy a dynamic work environment with opportunities for career growth and innovation.
- Why this job: Make a real impact in a growing fintech while developing your analytical skills.
- Qualifications: Strong understanding of credit cards, coding skills (Python/SQL), and excellent presentation abilities.
- Other info: Be part of a team that values proactive engagement and continuous improvement.
The predicted salary is between 36000 - 60000 £ per year.
About the Company
Our client is the UK’s newest credit card provider that will deliver a range of fair, flexible and easy to use financial services products to UK consumers. We help people make smarter decisions with money, so they can get more out of life. Joining at the start of our journey creates a unique opportunity to have a significant impact and influence foundational decisions, whilst creating the opportunity for you to grow in your career alongside the growth of the company. We have a solid model framework in place, but are nimble enough to explore innovative ways of working and thinking. This role will have a diverse set of responsibilities, with a focus on leveraging data to drive short term and longer term priorities. Working at a fintech means there is always a lot to do, but you would be part of a wider team that is focused on developing something great for us and our customers.
Responsibilities of the Portfolio Performance Analyst
- Performance Monitoring & Analysis: Lead the ongoing monitoring and analysis of portfolio performance, focusing on key metrics such as balance growth, arrears performance and revenue repayment. Identify trends, opportunities, and areas for improvement to drive better outcomes for the business.
- Cohort Performance Tracking: Develop and maintain cohort-based analysis to understand the behaviour and profitability of customer groups over time. Track key performance indicators (KPIs) at the cohort level, including the drivers behind balance, loss and yield.
- Unit Economics Forecasting: Create and manage financial models to forecast the unit economics of customer cohorts, assessing the profitability and sustainability of different segments. Work with inputs from across the business, specifically commercial and finance to create a holistic portfolio outlook.
- Portfolio Performance Insights: Provide detailed insights into portfolio performance, focusing on customer segments, product usage, and financial outcomes. Support the commercial team to optimise the product offering and ensure the portfolio is aligned with company objectives and funding triggers.
- Reporting & KPIs: Develop and implement robust reporting frameworks to track the performance of key metrics. Provide regular updates on portfolio performance, highlighting trends, challenges, and opportunities to senior leadership and cross-functional teams.
- Scenario Modelling & Sensitivity Analysis: Build scenario models to evaluate the potential impact of various business strategies on cohort performance and unit economics. Use sensitivity analysis to assess how changes in acquisition costs, retention rates, and product usage affect overall portfolio profitability.
- Risk Management & Mitigation: Identify potential risks to portfolio profitability and customer outcomes. Work closely with risk management teams to ensure the portfolio remains sustainable and aligned with financial and regulatory guidelines.
- Forecasting & Financial Impact: Lead the forecasting efforts for future portfolio performance, making recommendations based on expected changes in customer behaviour, product trends, and market conditions. Provide strategic insights into the financial impact of decisions at the portfolio level.
- Stakeholder Communication & Reporting: Communicate complex analysis and forecasts in clear, actionable terms to senior leadership and stakeholders. Present key findings, risks, and opportunities in a way that informs strategic decisions related to portfolio and cohort management.
About you
Ways of Working: Proactive automation of work, to allow more time for analysis. Keeping updated documentation, to allow sharing of work and knowledge. Using checks and balances to make sure outputs are correct.
Your Approach: Self-motivating, with a natural interest in understanding how things work and fit together. Eye for detail and pro-active engagement with others (across the company or externally) when additional information is needed. Happy to work at a growing company, where one day does not always look the same as the next and everyone rolls up their sleeves to help make things happen.
Your Experience: Strong understanding of credit cards and profitability. Strong coding skills (e.g. Python / SQL), with a focus on structure and automation. Experience building insightful MI and practical forecasting models. Good presentation skills, using the data to tell a story. Ability to prioritise workload and manage time effectively, communicating proactively. Excited about defining the foundations and providing insights that will influence the direction of the business.
Performance Analyst employer: Fintellect Recruitment
Contact Detail:
Fintellect Recruitment Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Performance Analyst
✨Tip Number 1
Familiarise yourself with the latest trends in fintech, especially around credit card products. Understanding the competitive landscape and emerging technologies will help you demonstrate your knowledge during interviews.
✨Tip Number 2
Brush up on your coding skills, particularly in Python and SQL. Being able to showcase your ability to automate processes and analyse data effectively will set you apart from other candidates.
✨Tip Number 3
Prepare to discuss specific examples of how you've used data to drive business decisions in the past. Highlighting your experience with performance monitoring and cohort analysis will resonate well with the hiring team.
✨Tip Number 4
Practice your presentation skills by summarising complex data insights into clear, actionable recommendations. Being able to communicate effectively with stakeholders is crucial for this role.
We think you need these skills to ace Performance Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience and skills that align with the responsibilities of a Performance Analyst. Emphasise your coding skills, understanding of credit cards, and any experience with financial modelling.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Discuss how your proactive approach and analytical skills can contribute to their mission of providing fair financial services.
Showcase Your Analytical Skills: Provide specific examples in your application that demonstrate your ability to analyse data and derive insights. Mention any experience with cohort analysis, forecasting, or reporting frameworks that you have developed.
Highlight Communication Skills: Since the role involves stakeholder communication, emphasise your ability to present complex data clearly. Include examples of how you've effectively communicated findings or recommendations in previous roles.
How to prepare for a job interview at Fintellect Recruitment
✨Showcase Your Analytical Skills
As a Performance Analyst, your ability to analyse data is crucial. Be prepared to discuss specific examples of how you've used data to drive decisions in previous roles. Highlight any experience you have with performance monitoring and analysis, especially in relation to financial metrics.
✨Demonstrate Coding Proficiency
Since strong coding skills are essential for this role, make sure to mention your experience with Python and SQL. If possible, bring examples of projects where you've automated processes or built forecasting models, as this will show your technical capabilities.
✨Communicate Clearly and Effectively
You'll need to present complex analyses to senior leadership, so practice explaining your findings in simple terms. Use storytelling techniques to convey how your insights can impact business decisions, and be ready to answer questions about your thought process.
✨Emphasise Adaptability and Teamwork
Working in a fintech environment means being adaptable. Share experiences where you've successfully navigated change or collaborated with cross-functional teams. Highlight your proactive approach to problem-solving and your willingness to roll up your sleeves to get the job done.
