Data Analyst - Credit Risk

Hello! We’re Teya. Teya is a payment and software service provider, headquartered in London serving small, local businesses across Europe. Founded in 2019, we build easy to use, integrated tools that enable our members to accept payments and boost business performance. At Teya we believe small, local businesses are the lifeblood of our communities. We’re here because we don’t believe there’s a level playing field that gives small businesses with a fighting chance against the giants of the high street. We’re here because we see banks and legacy service providers making things harder for them. We don’t think the best technology or the best service should be reserved for those with the biggest headquarters. We’re here to fight for a future where small, local businesses can thrive, and to commit the same dedication they offer all of us. Become a part of our story. We’re looking for exceptional talent to join our mission. We offer a chance to create impact in a high-energy and connected culture, while benefiting from continuous learning opportunities, a supportive community which is proud to serve our mission, and comprehensive benefits.

Your Mission: We’re looking for a Data Analyst to join the Credit team at Teya, focused on analysing and improving the performance of our credit decisioning and pricing systems. This role will play a key part in understanding how our lending products perform across the customer journey, identifying opportunities to improve conversion, risk, and profitability. You will work closely within Credit with strategy analysts and data scientists, and with Data Engineering and Product to analyse credit decision outcomes, test pricing, and assess portfolio behaviour. Your work will provide clear, evidence-based insights to inform changes to credit decision flows, pricing, and risk measurement. This is an excellent opportunity for someone who enjoys deep problem-solving, working with complex datasets, and influencing business decisions through high-quality analysis.

Responsibilities:

• Credit risk deep dives: Conduct statistical analyses of credit performance and portfolio behaviour, delivering actionable insights with measurable business impact.
• Problem solving: Translate credit business hypotheses and problems into analytical requirements and develop a plan to execute the analysis/testing and deliver results.
• Credit decisioning analysis: Analyse performance of the credit decisioning framework, including assessment of conversion, losses and profitability. Identify opportunities to optimise decision components.
• Pricing testing: Support the design and evaluation of pricing experiments. Analyse data to understand customer elasticity and forecast impacts on conversion, revenue and risk.
• Insights and reporting: Develop metrics and dashboards to track credit performance and support ongoing decision making.
• Collaboration: Partner within Credit and with Product and Finance to ensure analytical insights are well-understood and inform changes to decisioning, pricing, and policy.

Requirements:

• Experience in a data analysis role in credit risk, ideally in SME lending for a fintech / scale-up etc.
• Proficiency in Python and SQL, with experience working with real-world datasets.
• Degree in a quantitative field such as Mathematics, Statistics, Engineering or related discipline.
• Solid statistical understanding, including hypothesis testing, distributions, and regression-based analysis.
• Ability to translate complex analyses into clear, actionable insights for non-technical stakeholders.
• Commercially minded, curious, and comfortable working with ambiguity.

Equal Opportunity: Teya is proud to be an equal opportunity employer. We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all. If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.