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For Companies At a Glance
- Tasks: Use data to combat fraud and enhance customer experience in real-time.
- Company: Join Zopa, a pioneering bank redefining finance with a people-first approach.
- Benefits: Flexible working, competitive salary, and opportunities for professional growth.
- Why this job: Make a real impact by protecting customers while developing your analytical skills.
- Qualifications: Analytical mindset, SQL proficiency, and a passion for data accuracy.
- Other info: Dynamic team culture with a focus on diversity and collaboration.
The predicted salary is between 36000 - 60000 £ per year.
Our Story
Hello there. We’re Zopa. We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com!
We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.
If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count.
The Role in a Nutshell
This is one of the most impactful analytics roles at Zopa. As a Level 10 Fraud Analyst, you’ll use data to protect customers and the bank from fraud in real time, while making sure genuine customers experience as little friction as possible. You’ll sit in the Fraud Analytics team, which acts as the analytical engine behind Zopa’s fraud strategy. The work is fast-paced, highly visible, and directly influences live decisions that affect customers every day.
Why This Role Exists
Fraud threats evolve constantly. Zopa is scaling its products and customer base, and strong fraud analytics is critical to doing that safely. This role exists to:
- Detect and respond to fraud patterns quickly
- Improve fraud controls across onboarding and transactions
- Reduce losses while balancing customer experience
You’re not maintaining something mature — you’re helping build and improve fraud decisioning as the team grows.
What You’ll Actually Be Doing Day to Day
- Monitoring fraud dashboards and data across products
- Investigating unusual patterns or spikes in activity
- Using SQL and Python to explore data and answer urgent questions
- Designing, testing, and improving fraud rules and controls
- Feeding real-time analytical insight into fraud blocks and interventions
- Working closely with Fraud Strategy, Operations, Product, and Engineering
What Success Looks Like as a Zopa Analyst, it's about strong foundations:
- Producing accurate, well-structured analysis
- Explaining not just what the numbers say, but why they matter
- Taking ownership of your work and asking good questions early
- Communicating clearly with more senior stakeholders
- Beginning to connect analysis to real customer outcomes
You’re not expected to know everything about fraud on day one — curiosity, learning speed, and analytical rigour matter more.
What are we looking for?
- Demonstrated analytical curiosity and rigour
- Advanced SQL experience
- Experience using Python for analysis, or clear willingness to learn
- A passion for data accuracy and analytical rigour
- Ability to explain analytical thinking clearly to non-technical audiences
- Curiosity about customer behaviour and how fraud manifests in data
Interview Stages – What to Expect
- Recruiter Screening (30 mins) Focus: motivation, problem-solving mindset, technical background, and interest in fraud analytics.
- SQL Technical Assessment (1 hour) Focus: writing clean, accurate SQL
- Fraud Analytics Case Study (1 hour) Focus: how you approach a fraud problem end-to-end. No prior fraud experience required — we’re testing thinking, structure, and communication.
- Final Interview (45 mins) Focus: competencies, collaboration, decision-making under pressure, and alignment with Zopa’s values.
This role is ideal for someone early in their analytics career who wants to build strong technical foundations while working on meaningful, high-impact problems. We look forward to hearing from you!
At Zopa we value flexible ways of working. We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week. You’ll also have the option of working from abroad for up to 120 days a year! But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one.
Diversity Statement
Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.
Analyst - Fraud Analytics employer: Zopa Bank Limited
Contact Detail:
Zopa Bank Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Analyst - Fraud Analytics
✨Tip Number 1
Get to know Zopa! Dive into their website and social media to understand their culture and values. This will help you tailor your conversations during interviews and show that you're genuinely interested in being part of their team.
✨Tip Number 2
Practice your SQL and Python skills before the technical assessment. Use online resources or coding platforms to brush up on your abilities. The more confident you are, the better you'll perform when it counts!
✨Tip Number 3
Prepare for the case study by thinking through how you would approach a fraud problem. Break it down step-by-step and be ready to explain your thought process clearly. Remember, they want to see your analytical thinking in action!
✨Tip Number 4
Don’t forget to showcase your curiosity! During interviews, ask insightful questions about Zopa’s fraud strategies and how they evolve. This shows you're not just looking for a job, but are eager to contribute to their mission.
We think you need these skills to ace Analyst - Fraud Analytics
Some tips for your application 🫡
Show Your Analytical Curiosity: When writing your application, let your passion for data shine through! Share examples of how you've tackled analytical challenges in the past. We love seeing that spark of curiosity and rigour in your work.
Tailor Your Application: Make sure to customise your application to reflect the role of a Fraud Analyst at Zopa. Highlight your SQL and Python skills, and explain how they relate to fraud analytics. This shows us you understand what we’re looking for!
Communicate Clearly: Remember, you’ll need to explain complex ideas to non-technical folks. Use clear, straightforward language in your application to demonstrate your ability to communicate effectively. We appreciate clarity just as much as technical skill!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re genuinely interested in joining the Zopa team!
How to prepare for a job interview at Zopa Bank Limited
✨Know Your SQL Inside Out
Since the role requires advanced SQL skills, make sure you brush up on your SQL knowledge before the technical assessment. Practice writing clean and efficient queries that can handle real-world data scenarios. Familiarise yourself with common functions and commands that might come in handy during the interview.
✨Understand Fraud Patterns
Take some time to research common fraud patterns and how they manifest in data. This will not only help you in the case study but also show your analytical curiosity. Being able to discuss these patterns and their implications will demonstrate your understanding of the role and its importance in protecting customers.
✨Communicate Clearly
During the interviews, especially when explaining your analysis, focus on clear communication. Remember, you may be speaking to non-technical stakeholders, so practice breaking down complex concepts into simple terms. This will showcase your ability to connect analysis to real customer outcomes, which is crucial for the role.
✨Show Your Curiosity
Zopa values curiosity and a willingness to learn. Be prepared to ask insightful questions about the company, the team, and the challenges they face in fraud analytics. This not only shows your interest in the role but also aligns with Zopa's culture of embracing unconventional challenges.
