At a Glance
- Tasks: Own credit strategies and optimise customer management for better outcomes.
- Company: Join a leading fintech company focused on innovation and customer experience.
- Benefits: Competitive salary, annual bonuses, 25+ days holiday, and private health cover.
- Other info: Flexible working policy and excellent career growth opportunities await you.
- Why this job: Make a real impact in consumer finance while developing your analytical skills.
- Qualifications: 3+ years in data/analytics with SQL or Python experience preferred.
The predicted salary is between 54450 - 66550 £ 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.
Benefits
- Compensation: We review salaries each year to ensure performance is rewarded and we retain our talent. If your responsibilities increase, so will your pay! You'll also be included in our annual discretionary bonus scheme, linked to your performance.
- Holiday: You'll start with 25 days a year of annual leave, plus public holidays, with an extra day of holiday added for each completed year of service (up to a maximum of 30 days). Plus, we'll give you your birthday off each year.
- Health & Wellbeing: We've got you covered with private health cover through Vitality, with some additional perks, discounts and rewards to keep you active. You can also take advantage of our Employee Assistance Programme, with 24/7 support for issues like bereavement and health worries, access the cycle to work scheme and benefit from paid sick leave if you need to take a break.
- Learning & Development: We have a variety of internal learning opportunities to support your development, including company-funded training to support your professional development, and department-specific career pathways to provide growth and advancement opportunities.
- Pension: UK and Ireland-based employees will be automatically opted in to our enhanced pension scheme, with options to flex your contribution via our salary exchange scheme (or opt-out completely) as you choose.
- Family: All colleagues benefit from life insurance (4x base salary) and paid maternity, paternity, adoption or shared parental leave, if you've been with us for at least 26 weeks. Our flexible working policy is designed to offer support where needed.
Experience
- Using SQL or Python to extract and manipulate data.
- The ability to interact and work alongside key stakeholders at all levels across the business with attention to expectation management.
- The ability to prioritise workloads and manage time effectively.
- 3+ years in data/analytics (lending, risk, or fintech a big plus).
- A degree in a quantitative field like Economics, Mathematics, Statistics, Business or Computer Science.
- Experience in clearly communicating complex analytical insights in a simple manner to diverse audiences, including both technical and non-technical stakeholders.
- Experience developing or analysing lending, credit risk, pricing or existing customer strategies is advantageous.
- Credit card or consumer finance experience strongly preferred.
- Comfort with working in a fast-moving environment - you stay positive, adaptable, and focused.
- You are self-motivating and can switch between working independently to collaborating as a team with ease.
- 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 care deeply about helping customers manage their money in a smarter way and want to make a tangible impact in the consumer finance industry.
Senior Credit Risk Analyst (Existing Customers) employer: Jaja
At Jaja, we pride ourselves on fostering a dynamic and inclusive work culture that encourages innovation and personal growth. As a Data-Driven Collections Strategy Analyst in London, you'll have the opportunity to make a meaningful impact while working alongside a talented team dedicated to supporting our customers. We offer competitive benefits, continuous learning opportunities, and a collaborative environment that values your contributions and insights.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Risk Analyst (Existing Customers)
✨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. 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 Senior Credit Risk Analyst (Existing Customers)
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.
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'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
✨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.
✨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 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 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.
