At a Glance
- Tasks: Define and optimise credit strategies for our innovative lending portfolio.
- Company: Join a fast-growing fintech with a mission to improve financial wellbeing.
- Benefits: Generous leave, flexible working, private healthcare, and unique salary sacrifice schemes.
- Other info: Dynamic team culture focused on diversity and social impact.
- Why this job: Make a real impact on financial services for frontline workers while growing your career.
- Qualifications: Experience in consumer lending analytics and proficiency in Excel and SQL.
The predicted salary is between 60000 - 100000 £ per year.
Stream is on a mission to bring better financial wellbeing to frontline workers. We partner with some of the world’s most famous employers, like Bupa, Burger King, Green King and the mighty NHS to give their teams access to fairer financial services—all built around flexible pay. Over three million people can now choose how often they’re paid, track their shifts and earnings, start saving, use budgeting tools, get free financial coaching, and access fairer financial products. All in one financial wellbeing super‑app. Stream is unique: VC‑backed and growing at scale‑up pace, but with a social conscience.
The Opportunity: After securing a £300m debt financing facility with Citi, we’re seeking an experienced consumer Credit Risk Analyst to play a pivotal role in one of the fastest growing scale‑ups in Europe. As part of this role, you will create products unseen in the marketplace, helping to accelerate our lending strategy, seeing it through to a billion pound portfolio.
What will you be doing?
- Define and optimise the credit strategy for our evolving lending portfolio, ensuring alignment with business objectives.
- Discover insights from data and formulate strategies to answer the big questions and address key business questions.
- Collaborate with cross‑functional teams to implement your strategies in the market effectively.
- Monitor and assess the success of implemented strategies, and continuously identify further opportunities for enhancement.
- Formulate strategies to improve our affordability policy and ensure the delivery of positive customer outcomes.
What experience might you have?
- Able to structure complex problems into manageable frameworks.
- Ability to turn mountains of data into insights and solutions.
- Proficiency in analytical tools like Excel and SQL (Python is welcome).
- Experience in a fast‑pace analytical environment (consumer‑lending environment, ideally with credit cards or unsecured loans, experience is preferred).
- Inquisitive and truth‑seeking attitude, with an inclination to challenge the status quo.
- Excellent communication skills and ability to collaborate effectively in a cross‑functional environment.
Working Policy: 3 days per week in the London hub.
Salary: Dependent on experience, salary ranging from £60,000 to 100,000 & stocks.
What will we do for you?
- 25 Days Annual Leave in addition to public holidays (up to 5 day rollover), as well as flexible time off allowances for any ad‑hoc childcare/family/caring needs.
- 24 weeks’ paid Maternity Leave and 4 weeks paid Paternity Leave for employees with over 12 months service.
- Special Leave for In Vitro Fertilisation (IVF) and other fertility treatments.
- Sabbatical scheme.
- Paid leave to volunteer.
- Private Healthcare including comprehensive mental and physical healthcare.
- Salary sacrifice to pension, as well as bonus exchange to Pension: reap even more rewards of any bonus by paying into your pension & save on Tax and NI + added compound growth.
- Enjoy savings with our electric vehicle salary sacrifice scheme.
- Season Ticket Loan.
- Access to Salary Sacrifice Schemes via ThanksBen: THE Benefits marketplace. Choose the benefits you want, when you want. Pay less tax, receive more value, including: Workplace nurseries, Cycle to Work, Home and Tech Scheme and more.
- The best benefit of all, access to Stream!
At Stream we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our product and our community to flourish. Stream is an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity/expression, or veteran status.
Credit Risk Analyst employer: Wagestream
Stream is an exceptional employer dedicated to enhancing financial wellbeing for frontline workers, offering a vibrant work culture that prioritises social impact and employee growth. With a commitment to diversity and inclusion, employees enjoy generous benefits such as flexible leave, comprehensive healthcare, and opportunities for professional development, all while contributing to a mission-driven fintech environment in the heart of London.
