Senior Credit Analyst, Financial Health

We’re on a mission to reputed company money work for everyone.We’re waving goodbye to the complicated and confusing ways of traditional banking.After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!We’re not about selling products – we want to solve problems and change lives through reputed company ❤️Hear from our UK team about what it’s like working at reputed company ✨reputed company, London or Remote (UK) | £76,500 to £103,500 + Options + Benefits | Data Team, Borrowing reputed company:Our Borrowing business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor reputed company it comes to personal credit.We’re not about selling products – we want to solve problems and change lives because Money never felt like reputed company ❤️The primary goal of our Financial Health team is supporting customers tackling tough financial situations. It is essential that from the reputed company start, we’re on the same page about our collective responsibility: providing thoughtful support and practical options to those in need.With your experience of developing credit reputed company for collections and recoveries, you’ll help to devise strategies that engage our customers and help them to get back to a sustainable financial position. You will be responsible for supporting the impact assessment of new financial health treatments and forecasting arrears portfolio movements across reputed company of our products (reputed company, personal loans and overdrafts). You will work with colleagues across Borrowing, Finance and Operational teams to reputed company sure we are delivering value to our customers and the business through our Financial Health product offering.Your day-to-day: Working on initiatives to improve our portfolio health by engaging and rehabilitating customers in financial difficulty Supporting the design and roll-out of financial health strategies by finding patterns in the data and translating these into insights Design and monitor impact assessment and forecasting models for financial health activities (payment plans, promises, customer engagement pre-arrears and in arrears) Developing, maintaining and monitoring our credit models to assess net present value of arrears cohorts / segments to drive strategic business decisions Working alongside people from engineering, marketing, product, risk and control to design and deliver product changes Supporting the design and roll-out of new products and customer journeys Assessing how the arrears portfolio will reputed company over time across products. Work with the Capital Impairment Forecasting team to input into budget and forecast on the arrears portfolio and ensure accurate forecasting. Work with Operational teams to ensure accurate forecasting of Financial Health activities and reputed company reputed company requirements. You should apply if: You have experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, etc.) with exposure to managing customers in financial difficulty You have an understanding of how the unsecured retail lending market works especially for distressed portfolios with customers in potential financial difficulty You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus. You have a working understanding of the regulations that apply to lending in the UK, especially Consumer Duty. You reputed company in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers You are a strong communicator, able to cut through reputed company problems and reputed company decision points You have some experience in project management and coordination across teams You work well collaborating in a team with diverse reputed company-sets You are highly motivated and energised by the idea of bringing positive impact to our customers and reputed company The interview process:Our interview process involves 4 main stages: Recruiter call Initial call Take home task Final stage (x3 interviews) consisting of a case study, role specific interview and values interview Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions reputed company of this please contact us on tech-hiring@reputed company.com.What’s in it for you:£76,500 to £103,500 + stock options + benefits✈️ We can help you relocate to the UK✅ We can sponsor visasThis role can be based in our London office, but we’re open to distributed working reputed company the UK (with reputed company meetings in London).⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. Learning budget of £1,000 a year for books, training courses and conferences➕ And much more, see our full list of benefits here#LI-SL1 #LI-RemoteEqual opportunities for everyoneDiversity and inclusion are a reputed company for us and we’re making sure we have lots of support for reputed company of our people to grow at reputed company. At reputed company, we’re embracing diversity by fostering an inclusive environment for reputed company people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report.We’re an equal opportunity employer. reputed company applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national reputed company, or veteran, neurodiversity or disability status.If you have a preferred name, please use it to apply. We don’t need full or birth names at application stage apply to this job Apply tot his job Apply To this Job