London, England, United Kingdom (View all jobs)

The role

We are seeking a highly skilled and detail-oriented Senior Credit Risk Analyst to join our dynamic team. In this pivotal role, you will leverage your analytical expertise to identify high-risk transactions, optimize credit strategies, and monitor credit portfolios for potential delinquencies or defaults. You will collaborate closely with cross- functional teams, including sales, marketing, finance, and legal, to ensure compliance with credit policies and address credit-related challenges. If you are passionate about driving impactful credit strategies in a collaborative, fast-paced environment, we invite you to apply.

Day to day responsibilities

• Analysing data to find patterns of high-risk transactions from a credit point-of-view.
• Optimising credit strategies for profitability, loss rates, approval rate and other KPIs.
• Collaborating with other departments such as sales, marketing, finance, and legal to ensure compliance with credit policies, resolve credit-related issues, and provide guidance on credit risk matters.
• Monitoring the credit portfolios to identify and assess any changes in credit risk exposure. This may involve tracking credit performance, conducting periodic reviews, and identifying potential delinquencies or defaults.
• Preparing reports and documentation summarising credit risk findings, trends, and recommendations for management, regulators, and stakeholders.
• Staying updated on market trends, economic developments, and industry-specific factors that may impact credit risk.
• Interacting with data providers (especially credit bureaus), preparing samples for retro analysis, and assessing their solutions.

We're looking for...

• Over 2 years of experience in data analytics and insight generation.
• A strong SQL background with experience in querying large data lakes/data warehouses.
• Experience in data visualisation tools such as Looker, Tableau, Power BI etc.
• Strong understanding of how the lending/credit card/BNPL industry works.
• A champion of metrics and the measurement of impact, with the inquisitive acumen to explain the “why”, not just the “what”.
• A team player who enjoys a collaborative and fast paced agile environment.
• An analyst keen to contribute to existing initiatives, develop new strategies and confident to make recommendations.
• Someone with data experience within growth who can create analytical insights that can be incorporated into key decision making.
• Good stakeholder management experience with the ability to prioritise delivery.
• Can work independently as well as within a team.
• Ability to collect, analyse, organise, and disseminate significant amounts of information with attention to detail.

Bonus Skills:

• A financial technology or B2C scale-up background.
• Additional coding language (Python/R)

To apply for this role, please submit your CV along with a cover letter.

We acknowledge receipt of your resume for a position at Zilch and we appreciate your interest in joining our business.

We will screen all applicants and select candidates whose qualifications meet our requirements. We will carefully consider your application during the initial screening and will contact you if you are selected to continue to the next stage of the recruitment process. We wish you every success.

Zilch Technology is an equal opportunities employer and we encourage all applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, religion or belief.

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