This is a high-impact opportunity to work at the centre of product performance and commercial decision‑making. You’ll play a key role in analysing and optimising lending portfolios, using data to uncover insights, support strategy, and contribute to improving profitability across a growing suite of products and partnerships.
How you’ll contribute
Monitor, interpret and optimise the performance and profitability of new accounts acquired across our range of lending products, including our new embedded finance product for Argos.
You’ll become an SME on product performance and lifetime valuations, inspiring change within the organisation by crafting the data environment and analytical tools to explain performance. This involves spotting opportunities for optimisation, articulating the problem to the business, and driving your own recommendations to delivery.
Support the build and roll‑out of new lending strategies by identifying patterns in data and translating them into clear, actionable insights for our NewDay brands and merchant portfolios, including JohnLewis.
Produce, maintain and analyse performance curves within valuation models at product, cohort and segment level, using them to assess the net present value of lending cohorts and identify key drivers of performance and optimisation opportunities.
Work cross‑functionally with enterprise partnerships and acquisition teams to build a shared understanding of product performance, helping surface insights and drive better optimisation decisions across NewDay and our retail partners, delivering strategic initiative projects and full delivery in a timely manner with the appropriate quality, control & commercial impact.
Required skills & qualifications
- Strong quantitative analytical skills combined with knowledge of SQL/Excel and the ability to manipulate complex data to generate insights and recommendations.
- Strong numeric and critical‑thinking skills and the ability to evaluate commercial and customer impact from pricing and strategic changes.
- Ability to present findings and analysis in a structured way, particularly when addressing a non‑expert audience.
- Collaborative operating style with an ability and mindset to get involved and support wider team objectives.
- Experience using Python and visual analytics tools such as Tableau or Power BI.
Preferred additional skills
- Experience working on or with consumer lending products (cards, embedded finance, loans, mortgages) and the regulatory environment they operate in.
- Previous P&L exposure and familiarity reviewing financial performance.
At NewDay, we value all types of diversity. We’re an equal‑opportunity employer and believe that our differences create a vibrant, authentic working culture. We do not discriminate on the basis of protected characteristics or identities. If you need accommodations, we will put reasonable adjustments in place to support you.
