Senior Credit Strategy Analyst, Impairment in City of London

Senior Credit Strategy Analyst, Impairment

Join to apply for the Senior Credit Strategy Analyst, Impairment role at Zopa Bank. We’re Zopa, a leading peer‑to‑peer lender turned bank that\’s redefining finance.

About Zopa

We started in 2005 building the first peer‑to‑peer lending company, and in 2020 launched Zopa Bank. We listen to what customers don’t like about finance and do the opposite, empowering everyone to aim high and move finance forward. We’re proud of our achievements and have been named in the top three UK’s most loved workplaces.

The Role

You will join a high‑performing risk analytics team responsible for assessing credit risk of our assets across all lending products using the Expected Credit Loss framework, understanding and monitoring portfolio trends, market dynamics and macro‑economic environment.

Collaboration is key – you’ll work closely with cross‑functional analytical teams including data science, product, collections and finance to develop and drive innovative approaches to calculating impairment provisions while remaining compliant with internal policies and external regulations.

We look for bright individuals with a passion for translating numbers into business opportunities and delivering insights to drive decision‑making – if this resonates with you, we\’d love to hear from you!

Key Responsibilities

• Assess credit risk of assets using the Expected Credit Loss framework.
• Monitor portfolio trends, market dynamics and macro‑economic environment.
• Collaborate with data science, product, collections and finance teams to develop and improve impairment provision calculations.
• Translate complex analytics into business insights to drive decision‑making.
• Use advanced statistical techniques to predict customer behaviour or forecast future losses.
• Continuously innovate ways of working and optimisation opportunities across the team.
• Mentor and guide junior team members, fostering their growth and development.

Qualifications

• Strong experience solving analytical and numerical problems, preferably in credit strategy or risk in a consumer lending environment.
• Knowledge of key IFRS9 modelling components (PD, LGD, EAD, Staging) – preferred.
• Proficiency in manipulating and analysing large datasets using SQL and/or Python.
• Experience in data visualisation and storytelling.
• High attention to detail and structured, holistic problem‑solving skills.
• Excellent time‑management and organisational skills.
• Curiosity, relentless drive to learn, improve and share knowledge.
• Collaborative mindset with cross‑functional teams (tech, data science, finance, product).

Flexible Ways of Working

Hybrid role – London office 2‑3 days a week. Option to work from abroad for up to 120 days a year. We’ll ensure you have everything you need to thrive, both at work and home.

• 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 and culture. We have nearly 50 nationalities and a dedicated DE&I forum. We’re proud of a culture where everyone can bring their full self to work and our hiring process reflects this commitment.

We may use AI tools to support parts of the hiring process but final hiring decisions are uniquely human. If you would like more info about how your data is processed, please contact us.

Recruitment Information

Referrals increase your chances of interviewing at Zopa Bank by 2x.

Job posted in London, England, United Kingdom – 1 month ago.