At a Glance
- Tasks: Drive credit performance improvements through risk modelling and collaboration with cross-functional teams.
- Company: Join Zopa, a diverse and innovative fintech company.
- Benefits: Competitive salary, inclusive culture, and opportunities for professional growth.
- Other info: Dynamic team environment with a commitment to diversity and inclusion.
- Why this job: Make a real impact on lending strategies and customer outcomes.
- Qualifications: Experience in credit risk analysis and proficiency in SQL or Python.
The predicted salary is between 60000 - 75000 £ per year.
Zopa is looking for a Senior Credit Strategy Analyst to join our high‑performing credit analytics and strategy team. This role focuses on driving step‑change improvements in credit performance through risk modelling, hypothesis testing, portfolio trend monitoring and collaboration with cross‑functional teams including data science, product and engineering.
Responsibilities
- Optimise credit strategy and decisioning for one of our lending products, whether by deploying a new risk scorecard or implementing a credit policy change.
- Use advanced statistical techniques to predict customer behaviour or forecast demand.
- Shape and enhance our credit policy, working with product and tech teams to deliver changes.
- Work with open‑banking or other novel datasets to find new ways to improve credit strategy.
- Manage pricing and commercials on our lending programme and recommend strategy to Product Directors.
- Analyse portfolio performance, identify improvement areas and recommend strategic changes.
- Collaborate with the fraud team to stay abreast of trends and explore enhancements to fraud strategy.
- Formulate strategies to improve our affordability policy and consistently deliver good customer outcomes.
- Build NPV and pricing optimisation models to inform lending decisions while understanding their limitations.
Qualifications
- Strong experience in credit risk analysis within a consumer lending environment.
- Proficiency in manipulating and analysing large datasets using SQL and/or Python.
- Experience in data visualization and storytelling.
- Passion for translating numbers into business opportunities and delivering insights to influence decision‑making.
- Structured, holistic problem‑solver with strong time‑management skills.
- Insatiable curiosity and a relentless drive to learn, improve, and share knowledge.
- Ability to work collaboratively with cross‑functional teams (tech, data science, finance, product).
- 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. We are made up of nearly 50 nationalities and have a DE&I forum dedicated to creating a culture where everyone can bring their full self to work. Our hiring process is designed to reflect this commitment and we welcome reasonable adjustments.
Senior Credit Strategy Analyst in City of Westminster employer: Zopa Ltd
Zopa is an exceptional employer that fosters a collaborative and inclusive work culture, where diverse perspectives drive innovation in credit strategy. With a strong focus on employee growth, Zopa offers opportunities for professional development through hands-on experience with advanced analytics and cross-functional teamwork. Located in a vibrant environment, employees benefit from a supportive atmosphere that encourages curiosity and continuous learning, making it a rewarding place to build a meaningful career.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Strategy Analyst in City of Westminster
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
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Don’t shy away from reaching out directly to firms like Zopa Ltd. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Senior Credit Strategy Analyst in City of Westminster
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Zopa Ltd.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Zopa Ltd's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Zopa Ltd
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Zopa Ltd.
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Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Zopa Ltd will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Zopa Ltd employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
