Senior Analyst (Risk Technology)

Zopa's Analytics teams are building automated ways to find problems that impact customers and the bank, using analytics, automation and AI-enabled tooling to move away from manual controls towards scalable systems and controls that proactively detect problems and improve customer outcomes. The first focus will be on lending products, including customer statements and related communications, with scope to expand into other product areas over time.

Responsibilities

• Speak to stakeholders across the business to understand processes that may not be fully documented.
• Investigate how data moves through systems and determine what needs to be monitored, validated or automated.
• Use SQL, Python and AI-enabled tools to build scalable automated solutions, such as our cutting‑edge AI tool that identifies and protects vulnerable customers.
• Partner with Product and Engineering teams to understand system architecture and support implementation.
• Help improve the quality, reliability and scalability of how we identify and prevent operational issues.
• Shape a new capability at Zopa by creating approaches and patterns that can be reused as the function grows.

Qualifications

• Degree or equivalent experience in a STEM field or similar.
• Highly curious, with a strong instinct to dig deeper and understand how systems, processes and data flows work.
• Comfortable working in ambiguous environments where problems are not fully defined.
• Strong logical thinking and problem‑solving skills, with a practical and structured approach.
• Strong communication and stakeholder skills, with the confidence to ask good questions and challenge assumptions.
• A proactive mindset with examples of taking ownership and driving work forward independently.
• Exposure to SQL, Python or similar analytical tooling, or strong evidence of the aptitude to learn quickly.
• Excited by automation, AI and using technology to solve real business problems.

Additional Bonus

• Experience in operations, consulting, fintech or other fast‑moving environments.
• Experience using AI tools to solve real problems, with the ability to critically assess outputs rather than accept them at face value.
• Personal projects, courses or other examples that demonstrate coding curiosity or technical learning.

Work Arrangement

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. *Subject to having the right to work in the country of choice.

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 diversity, equity and inclusion is reflected in our hiring process so please let us know if you require any reasonable adjustments.