At a Glance
- Tasks: Own credit strategies and optimise customer management using data-driven insights.
- Company: Join Jaja, a fast-growing UK consumer finance business on a mission to simplify money management.
- Benefits: Competitive salary, annual bonus, private medical cover, and generous holiday allowance.
- Other info: Dynamic environment with opportunities for personal growth and development.
- Why this job: Make a real impact in the consumer finance industry while working with innovative tech.
- Qualifications: Degree in a quantitative field and 3+ years in data/analytics required.
The predicted salary is between 40500 - 49500 £ per year.
- Own credit strategies for existing customer management - optimising credit limit increase/decrease strategies, balance transfers activities, supporting re-pricing activity.
- Shape our monitoring frameworks - design scalable, smart solutions for reviewing portfolio quality and strategy impacts.
- Provide analytical recommendations, support governance and implementation of strategy changes.
- Partner effectively with Commercial, Collections, Tech, Finance, and Reg teams to deliver investor returns as well as an exceptional customer experience in line with all regulatory frameworks.
- Communicate with impact - create clear stories, anticipate questions, and make data land.
- Spot opportunities - find new ways data can improve customer outcomes or business performance and liaise with external partnerships to carry out Proof of Concept exercises.
Do you enjoy using data to shape customer strategies, optimise portfolio performance, and influence key commercial decisions?
Are you passionate about turning complex datasets into actionable insights that improve both customer outcomes and business results?
If you thrive in a fast-paced environment, enjoy solving analytical challenges, and can confidently communicate recommendations to a wide range of stakeholders, we'd love to hear from you., A degree in a quantitative field like Economics, Mathematics, Statistics, Business or Computer Science
- 3+ years in data/analytics (lending, risk, or fintech a big plus).
- Experience using SQL or Python to extract and manipulate data
- The ability to prioritise workloads and manage time effectively.
- The ability to interact and work alongside key stakeholders at all levels across the business with attention to expectation management.
- Experience in clearly communicating complex analytical insights in a simple manner to diverse audiences, including both technical and non-technical stakeholders.
Desired
- Credit card or consumer finance experience strongly preferred
- Experience developing or analysing lending, credit risk, pricing or existing customer strategies is advantageous.
- Comfort with working in a fast-moving environment - you stay positive, adaptable, and focused.
- You are execution focused and love rolling up your sleeves to get it done - you are hands-on, proactive and take solutions / process orientated approach to your work.
- You are self-motivating and can switch between working independently to collaborating as a team with ease.
- You care deeply about helping customers manage their money in a smarter way and want to make a tangible impact in the consumer finance industry.
Jaja is a UK-based consumer finance business with a simple mission: to empower customers to buy, borrow and build using smart tech, strong data, and clear design.
We launched our digital credit card in 2018 and we're continuing to grow, with new products and experiences in the pipeline.
Our goal is to strip out unnecessary complexity and give people more control over their money - or as we put it, Make Simple.
Our values guide how we work: Care Deeply.
Adapt & Thrive.
Challenge Everything.
Go For It.
Own It.
Make It Simple.
We're scaling quickly, and there's a lot of exciting change happening across the business.
What's in it for you?
- The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever
- Competitive salary
- Pension contributions, including Salary Exchange facility
- Annual bonus potential
- Private medical cover provided by Vitality (optional benefit)
- 25 days annual leave (FTE) plus UK bank holidays (with an additional day added for each full calendar year worked, up to a maximum of 30 days).
- Your birthday off each year as an additional day's holiday
- 4x life insurance cover
- Access to our confidential Employee assistance programme
- #J-18808-Ljbffr
Credit Risk Analyst in City of Westminster employer: JaJa Finance Ltd
At Jaja, we pride ourselves on being an exceptional employer that empowers our employees to make a tangible impact in the consumer finance industry. With a strong focus on employee growth, we offer competitive salaries, generous annual leave, and a supportive work culture that values adaptability and innovation. Join us in a fast-paced environment where your analytical skills will shape customer strategies and drive business performance, all while enjoying the benefits of private medical cover and a commitment to work-life balance.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Analyst in City of Westminster
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like JaJa Finance Ltd. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Risk Analyst in City of Westminster
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to JaJa Finance Ltd.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on JaJa Finance Ltd's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at JaJa Finance Ltd
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with JaJa Finance Ltd.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at JaJa Finance Ltd will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former JaJa Finance Ltd employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
