Senior Credit Strategy Analyst

We’re 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 — you’ll work closely with our cross‑functional teams including data science, product, and engineering to develop and drive growth strategies, influence strategic decisions, and identify new opportunities through the application of leading‑edge analytical techniques.

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 – unsecured personal loans, credit cards, secured loans for car purchase, and point‑of‑sale finance – each posing unique analytical challenges. You work with some of the best tech in the industry, such as powerful Python instances for data analysis, machine learning, and Redshift for data warehousing. All our decision‑ing systems are built in‑house, giving us 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 or by designing and implementing a change to credit policy.
• Using advanced statistical techniques to predict customer behaviour 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 optimisation models to inform lending decisions while understanding their inherent limitations.

About you:

• You have strong experience doing credit risk analysis in a consumer lending environment.
• You have a strong ability in manipulating and analysing large datasets using SQL and/or Python.
• You are experienced in visualisation and storytelling through data.
• You have a passion for translating numbers into business opportunities and delivering insights to drive decision‑making.
• You are a structured and holistic problem‑solver, and possess strong time‑management skills.
• You have an insatiable curiosity and a relentless drive to learn, improve, and share knowledge with others.
• You are able to work collaboratively with cross‑functional teams, including tech, data science, finance and product.

We know that no candidate will meet every single desired qualification. If your experience looks a little different from what we’ve identified and you think you can bring value to the role, we’d love to learn more about you!

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 selves to work. Our approach to DE&I is reflected in our hiring process, so please let us know if you require any reasonable adjustments.