Senior Analyst - Lending Operations in London

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.

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.

At Zopa, Analysts are the people who turn curiosity into clarity and data into direction. We’re a bank built on doing things differently and growing fast. Over the past two years, we’ve grown more than 25% year‑on‑year. As Zopa scales, our Operations teams need more than reporting. They need insight that shapes decisions, scalable MI frameworks and analysts who can own complex problem areas end to end. We are looking for a Level 11 Senior Data Analyst to own and evolve our operational MI capability. This is a high impact, more autonomous role focused on transforming how performance is measured, understood and improved.

The Role

• You will operate as a senior analytical partner to Collections leadership, owning key performance areas and driving step changes in reporting quality and scalability.
• The focus is not just on producing MI, but on redefining it.
• You will assess existing reporting frameworks, identify gaps or inconsistencies and design scalable, well governed metric structures that support better decision making.
• You will work within the Collections function, partnering closely with Operations and Lending stakeholders.
• You will influence senior stakeholders and proactively identify where insight can unlock efficiency, improve customer outcomes or reduce risk.
• This role suits someone who thrives in ambiguity, enjoys shaping problem statements and wants to drive measurable operational impact.

A day in the life...

• Lead the redesign and scaling of operational MI frameworks.
• Define and standardise key metrics across Collections and Recoveries.
• Conduct deep analytical investigations into credit performance, operational effectiveness and customer outcomes.
• Translate complex datasets into clear recommendations for senior stakeholders.
• Identify structural inefficiencies and propose data driven improvements.
• Partner with Operations, Risk and Product teams on cross functional initiatives.
• Improve data quality, governance and metric consistency.
• Mentor or support more junior analysts where relevant.
• Drive automation and scalability of reporting and business processes.

About You...

• Advanced SQL skills and strong experience working with large, complex datasets.
• Strong experience with BI tools and dashboard design best practice.
• Proven track record of owning analytical problem areas from diagnosis to delivery.
• Experience influencing senior stakeholders and presenting in high visibility settings.
• Comfortable working with ambiguous problem statements and shaping analytical approach.
• Strong commercial awareness and ability to quantify trade offs.
• Structured thinker who balances detail with strategic perspective.
• Proactive and confident in challenging assumptions constructively.
• Nice to have: experience within fintech, banking or regulated operational environments, and experience leading reporting transformation or large‑scale MI rebuilds.

What Success Looks Like...

• A clear step change in the quality and scalability of operational MI.
• Building well defined, impact‑focused reporting that tells a clear performance story and drives decision‑making.
• Operational decisions increasingly driven by robust data and insight.
• Measurable improvements in efficiency, performance or customer outcomes.
• Strong stakeholder trust and influence at senior levels.

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.