Senior Credit Strategy Analyst

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.

Zopa are looking for a new Senior Credit Strategy Analyst to join our high performing credit analytics and strategy team.

This team is responsible for driving step-change improvements in credit performance by developing risk models, hypothesis testing, and monitoring portfolio trends.

Collaboration is key at Zopa which means youll work closely with our cross-functional teams including data science, product, and engineers to develop and drive growth strategies, influence strategic decisions and identify new opportunities through the application of leading-edge analytical techniques.

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, wed love to hear from you!

Why join Credit Strategy at Zopa?

– As a Senior Analyst, you will be entrusted to lead on our most complex and highest impact projects.

– You will work in a team that covers a broad remit across lending strategy, credit policy, affordability, fraud, valuations, and pricing.

– Zopa offers a broad range of lending products, including unsecured personal loans (UPL), credit cards, secured loans for the purchase of a car and point-of-sale finance, which all pose different analytical challenges.

– You work with some of the best tech in the industry, such as powerful Python instances for data analysis and machine learning and Redshift for data warehousing.

– All our decisioning systems are built in-house, meaning that we have nearly unlimited flexibility in what we can implement.

– You work in a wider cross-functional product, credit, and data science team, so you will have the opportunity to work alongside, learn from and mentor some of the brightest minds and friendliest people in the industry!

A day in the life…

• Optimising credit strategy and decisioning for one of our lending products, either through the deployment of a new risk scorecard understanding the risks involved or designing and implementing a change to credit policy.

• Using advanced statistical techniques to predict customer behavior or forecast future demand.

• Shaping and enhancing our credit policy, and working with the product and tech teams to deliver these changes.

• Working with open banking data or other novel datasets to find new ways of enhancing our credit strategy.

• Managing the pricing & commercials on our lending programme and making recommendations on our strategy to the Product Directors.

• Analysing the performance of our portfolio, identifying any areas of improvement, and recommending strategy changes based on these findings.

• Collaborating with our fraud team to stay updated on latest trends and exploring potential enhancements to our fraud strategy.

• Formulating strategies to improve our affordability policy and ensuring we continually deliver good customer outcomes.

• Building NPV & pricing optimization models to inform lending decisions while understanding their inherent limitations.