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For Companies At a Glance
- Tasks: Drive credit risk strategies and optimise metrics for Zilch's growth.
- Company: Join Zilch, a fast-growing payment tech company revolutionising how we pay.
- Benefits: Enjoy competitive pay, health perks, and a hybrid work environment.
- Why this job: Make a real impact in a data-driven role that shapes credit strategies.
- Qualifications: 5+ years in credit risk with strong SQL and stakeholder management skills.
- Other info: Collaborative culture with excellent career development opportunities.
The predicted salary is between 36000 - 60000 ÂŁ per year.
Overview
Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. We combine the best of debit, credit and savings to give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. We started in 2018 with a small team and a big dream to make credit accessible to all. We have ongoing growth plans and exciting projects ahead.
About The Role
Join us at the heart of a fast-moving, data-driven credit risk function where your work will directly shape Zilch’s rapid growth. In this role, you’ll own key credit and fraud metrics, driving initiatives that optimise approval rates, loss performance, and overall portfolio health. You’ll combine sharp analytical thinking with strong commercial awareness to uncover risk patterns, deliver actionable insights, and influence automated decisioning strategies at scale. You’ll work closely with senior stakeholders and cross-functional teams to identify and deliver initiatives that drive profitable growth.
If you’re excited by solving complex problems with data, championing measurable impact, and playing a pivotal role in building smarter credit strategies, this is a unique opportunity to make a real difference in a high-growth environment.
Day-to-day Responsibilities
- Own key metrics and drive specific initiatives and projects. Champion the success of the initiatives, ensuring that the business draws the right conclusions.
- Optimising credit strategies for profitability, loss rates, approval rate and other KPIs.
- Provide actionable insights and recommendations to your stakeholders for automated decisioning.
- Analyse data to find patterns of high-risk transactions from both a credit and fraud perspective and develop mitigating strategies.
- Collaborate with other departments such as sales, marketing, finance, and legal to ensure compliance with credit policies, resolve credit-related issues, and provide guidance on credit risk matters.
- Monitor the credit portfolios to identify and assess changes in credit risk exposure, including tracking performance, periodic reviews, and identifying delinquencies or defaults.
- Prepare reports and documentation summarising credit risk findings, trends, and recommendations for management, regulators, and stakeholders.
- Stay updated on market trends, economic developments, and industry-specific factors that may impact credit risk.
- Interact with data providers (especially credit bureaus), prepare samples for retro analysis, and assess their solutions.
What We’re Looking For
- Ideally 5 years+ of experience in credit risk with direct exposure in strategy and analytics.
- Experience in optimising onboarding and portfolio management process to improve credit driven OKRs.
- A strong SQL background with experience in querying large databases deriving actionable insights.
- Strong stakeholder management and communication skills, comfortable at presenting data results to senior levels.
- Experience in data visualisation tools such as Looker, Tableau, Power BI etc.
- A champion of metrics and the measurement of impact, with the inquisitive acumen to explain the “Why”, not just the “What”.
- A team player who enjoys a collaborative and fast-paced agile environment while being able to work independently.
- Ability to collect, analyse, organise, and disseminate significant amounts of information with attention to detail.
- Exposure to building, implementing, or optimising automated credit decisioning systems or workflows is a plus.
Benefits
- Pension scheme.
- Death in Service scheme.
- Income Protection.
- Permanent employees enjoy access to our Share Options Scheme.
- 5% back on in-app purchases.
- ÂŁ200 for WFH Setup.
Health & Wellbeing
- Private Medical Insurance including GP consultations (video, telephone or face-to-face).
- Prescribed medication.
- In-patient, day-patient and out-patient care.
- Mental health support.
- Optical, dental & audiological cover.
- Physiotherapy.
- Advanced cancer cover.
- Menopause support.
- Employee Assistance Programme including unlimited mental health sessions, 24/7 remote GP & physiotherapy, and 24/7 helpline for emotional & practical support.
- Savings & discounts on everyday shopping.
- 1:1 personalised well-being consultations.
- Gym membership discounts.
Family Friendly Policies
- Enhanced maternity pay.
- Enhanced paternity pay.
- Enhanced adoption pay.
- Enhanced shared parental leave.
Learning & Development
- Professional Qualifications.
- Professional Memberships.
- Learning Suite for e-courses.
- Internal Training Programmes.
- FCA & Regulatory training.
Workplace Perks
- Hybrid Working.
- Casual dress code.
- Workplace socials.
- Healthy snacks.
Senior Credit Risk Strategy Analyst employer: Zilch
Contact Detail:
Zilch Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Strategy Analyst
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by practising common questions and scenarios related to credit risk strategy. Use real-life examples from your experience to showcase your skills and how you can add value to Zilch.
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and career goals. We recommend checking out our website for roles that excite you and fit your expertise.
✨Tip Number 4
Follow up after interviews with a thank-you email. It’s a great way to reiterate your interest in the role and remind them why you’re the perfect fit for their team!
We think you need these skills to ace Senior Credit Risk Strategy Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Credit Risk Strategy Analyst role. Highlight your experience in credit risk, analytics, and any relevant projects that showcase your skills. We want to see how you can contribute to our mission!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're excited about the role and how your background aligns with our goals at Zilch. Be genuine and let your personality come through – we love a good story!
Showcase Your Analytical Skills: Since this role is all about data, make sure to highlight your analytical skills. Share specific examples of how you've used data to drive decisions or improve processes in previous roles. We’re keen to see your thought process!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates. Plus, it shows you’re serious about joining our team!
How to prepare for a job interview at Zilch
✨Know Your Numbers
As a Senior Credit Risk Strategy Analyst, you'll be expected to have a strong grasp of key metrics. Brush up on your understanding of credit and fraud metrics, and be ready to discuss how you've used data to drive decisions in previous roles. This will show that you can hit the ground running.
✨Showcase Your SQL Skills
Since a strong SQL background is crucial for this role, prepare to demonstrate your querying skills. Bring examples of complex queries you've written or analyses you've conducted. Being able to talk through your thought process will impress your interviewers.
✨Prepare for Stakeholder Scenarios
You'll need to collaborate with various departments, so think of examples where you've successfully managed stakeholder relationships. Be ready to discuss how you communicated insights and influenced decisions at senior levels, as this will highlight your communication skills.
✨Stay Current on Market Trends
Zilch values candidates who are aware of industry trends and economic factors affecting credit risk. Do some research on recent developments in the payment tech space and be prepared to share your thoughts on how these might impact Zilch's strategies. This shows your enthusiasm and proactive approach.
