Senior Credit Risk Analyst - in London

ð¡ Senior Credit Risk Analyst – Existing Customersð Hybrid ð London, 47-51 Great Suffolk Street, London, SE1 0BS ð Analyticsð Full Time 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? Who we areJaja 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. Care Deeply. We're scaling quickly, and there's a lot of exciting change happening across the business. 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. 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. Desired: Credit card or consumer finance experience strongly preferred Experience developing or analysing lending, credit risk, pricing or existing customer strategies is advantageous. 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. 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 potentialPrivate 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 holiday4x life insurance cover Access to our confidential Employee assistance programmeWe're committed to creating an inclusive workplace where everyone feels valued, respected, and able to thrive. We welcome applications from all qualified candidates and encourage applications from LGBTQ+ individuals, people with disabilities, neurodivergent individuals, and those from ethnic minority and diverse religious backgrounds. We believe that different perspectives strengthen our team, drive innovation, and help us better serve our customers. If you require any adjustments or support during the recruitment process, please contact our Talent Partner.