Senior Credit Strategy Analyst

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Hello there. We’re Zopa.

We started our journey in 2005, building the first peer-to-peer lending company. In 2020, we launched Zopa Bank, a bank that listens to customer feedback and aims to redefine banking. Our vision is to empower everyone to aim high and move finance forward. Learn more about our offerings on our website. We are proud of our achievements and our recognition as one of the UK’s Most Loved Workplaces.If you thrive on unconventional challenges, think differently, and want to make a significant impact, join us at Zopa and make it count. Follow us on Instagram @zopalife.Position: Senior Credit Strategy Analyst

Join our credit analytics and strategy team, responsible for improving credit performance through risk models, hypothesis testing, and portfolio trend analysis. Collaborate with data science, product, and engineering teams to develop growth strategies, influence decisions, and identify new opportunities using advanced analytical techniques. We seek bright individuals passionate about translating data into business insights.Why join Credit Strategy at Zopa?

Lead high-impact projects in lending strategy, credit policy, affordability, fraud, valuations, and pricing.Work with diverse lending products, including personal loans, credit cards, secured loans, and point-of-sale finance.Utilize industry-leading tech like Python and Redshift for data analysis and machine learning.Benefit from flexible in-house decisioning systems and a collaborative, learning-focused environment.A day in the life...

Optimize credit strategies and decisioning processes.Use statistical techniques to predict customer behavior and demand.Enhance credit policies and work with product and tech teams.Explore new datasets, such as open banking data, for strategic insights.Manage pricing and commercial aspects, recommending strategies to leadership.Analyze portfolio performance and suggest improvements.Collaborate with fraud teams to update strategies.Develop models for pricing and lending decisions, understanding their limitations.Please note:

The above projects are examples of recent work; you are not expected to do all in one day.About you...

Experience in credit risk analysis within consumer lending.Proficiency in SQL and/or Python for data manipulation and analysis.Skilled in data visualization and storytelling.Passionate about turning data into actionable insights.Structured problem solver with strong time management.Curious, eager to learn, improve, and share knowledge.Ability to work collaboratively across teams including tech, data science, finance, and product.We value diverse experiences and backgrounds. If your experience differs slightly but you believe you can add value, we’d love to hear from you!Additional Information

We are moving to a new headquarters in Canary Wharf by the end of 2025, fostering collaboration and creativity. We support flexible working arrangements, requiring in-office presence 2-3 days a week, with options to work abroad up to 120 days per year, subject to right to work.Diversity Statement

Zopa is committed to a discrimination-free workplace. We value diversity and inclusion, reflected in our hiring process. Please inform us if you require any reasonable ..... full job details .....