Lead Analyst

About Jaja

Our Mission: Empowering our customers to buy, borrow, and build—driven by tech, fuelled by data, and built for the future.

Our Company Values: Care Deeply, Adapt & Thrive, Challenge everything, Go for it! Own it, Make it Simple. Jaja is an innovative UK based consumer finance business, leading initially with a digital credit card launched in 2018, and a pipeline of consumer finance solutions in the making. We are on a mission to redefine the consumer finance experience and liberate customers from needless complexity, wasted time and frustration. Or as we say it, Make Simple. We will delight our customers – making the customer experience simpler, more enjoyable, more intelligent – treating customers fairly and giving them more control of their money.

Why Join Us?

This is a chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever. We have a collaborative team structure fueled by an exciting mix of people, welcoming experienced people from the industry with both feet on the ground and tech‑savvy dreamers who pave way for the new stuff. Come as you are and be yourself!

This role requires being in our London office 2 days a week, so please only apply if you're comfortably able to meet this requirement (47-51 Great Suffolk St, London SE1 0BS).

We’re looking for someone highly data‑driven and technically strong—A true data manipulator with solid SQL skills, coding ability, and a sharp analytical mindset. You’ll need to be tech‑savvy, ideally have experience in credit and knowledge of lending products, and be a natural problem solver who can quickly identify issues, understand the building blocks, and work towards effective solutions. You’ll be joining a team of three: an Analytics Lead, Head of Analytics, and a Senior Analyst.

Key Responsibilities

• Deepen Existing Customer relationships to drive positive customer engagement, improve profitability, and reduce losses.
• Run credit, pricing and marketing strategies to achieve this goal.
• Deliver these strategies by using Python/R/SQL, Alteryx and Tableau, to manipulate and analyse data on a day‑to‑day basis, working at the cutting edge of analytical and statistical techniques.
• Promote a test‑and‑learn approach, constantly challenging existing strategies and processes to find better outcomes.
• Providing the business with data‑based insight and recommendations for changes and improvements, and see those all the way through to implementation on a wide range of things including limit management, balance transfers, promotional campaigns, and general portfolio management.
• Utilise big data across multiple sources to enhance our relationships with our customers.
• Deeply analyse portfolio performance trends to ensure portfolio health is maintained when executing these strategies.
• Collaborate with other teams like Tech / DataOps / Commercial / Finance / Customer Service / Collections to ensure smooth delivery of strategies and correct outcomes’ forecast.
• Proactively identify gaps and potential risks in processes to maintain consistent adherence to high‑quality standards.

Required Skills & Experience

• A degree in a quantitative field like Economics, Mathematics, Statistics, Business or Computer Science.
• 6+ years of experience in an analytical role; Lending or Risk experience is a plus, Credit Card experience a big plus.
• Extensive experience using SQL to extract and manipulate data, Python is a plus.
• Strong coding skills, and knowledge of databases including MySQL and AWS desirable.
• Previous experience of Tableau and/or Alteryx preferable.
• 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

• You are comfortable using a direct language and speaking in a straightforward yet respectful manner to save people time and simplify everyone’s workday.
• 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, by applying innovative technology and processes.
• 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.
• What we’re doing at Jaja excites you!

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
• 4× life insurance cover
• Access to our confidential Employee assistance programme