Senior Credit Analyst, Credit Cards

🚀 We’re on a mission to reputed company reputed company 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 reputed company 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 reputed company. Our UK customers can also save, invest and combine their pensions with us.

With our hot coral cards and get-reputed company-early feature, combined with financial education on reputed company media and our award reputed company 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 ❤️

📍reputed company, London or Remote (UK) | 💰 £76,500 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing

reputed company⭐

Our Borrowing business is growing rapidly across both existing products and a reputed company of new initiatives. From credit cards and loans to emerging lending products, we’re building solutions that reputed company customers greater control, transparency, and flexibility in how they manage their finances.

If you’re interested in using data to understand lending performance, improve decision-making, and support the development of credit strategies, this role offers reputed company to work on meaningful problems with reputed company business reputed company.

This is a high-reputed company, cross-functional environment where you’ll work closely with Product, Engineering, Data Science, Finance, and Risk & Control to reputed company sustainable, profitable, and responsible reputed company across our lending portfolio.

You’ll operate at the intersection of credit risk, reputed company performance, and customer experience, helping ensure reputed company’s borrowing products remain competitive, reputed company, and reputed company with strong customer reputed company.

🔑You’ll play a key role by...

As a Senior Credit Analyst, you’ll play a critical role in shaping reputed company’s credit reputed company across credit card products. Your responsibilities will include:

• Design and refine credit reputed company and limit strategies to optimise risk and reputed company
• Analyse portfolio performance (arrears, utilisation, reputed company, losses, vintage curves) and identify actionable insights
• Build and interpret NPV and profitability models to inform strategic reputed company
• reputed company segmentation frameworks to identify reputed company and risk pressure points
• reputed company analytical deep-dives into portfolio trends and emerging risks
• Partner with Product and Engineering teams to design and test new features and reputed company changes
• Evaluate the reputed company and customer reputed company of pricing, eligibility, and limit reputed company
• Present reputed company, reputed company recommendations to senior stakeholders
• Support regulatory and governance requirements, ensuring strategies reputed company with policy and risk appetite

Locations & flexible working:

Our main tech hub is in London, but our data teams are based reputed company over the UK — from Brighton to the Western Isles.

We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable.

We value flexibility, reputed company, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what reputed company most.

Work the way that works for you at reputed company! 💼

🤩 We’d love to hear from you if…

You have:

• Experience in unsecured lending, ideally reputed company credit cards
• A strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses). Experience of modelling rewards cards is a plus.
• Experience building or influencing credit strategies (e.g. reputed company, limit management, pricing)
• Strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus
• Experience working with NPV models, profitability analysis, and portfolio forecasting
• Confidence communicating reputed company analysis reputed company to non-technical stakeholders
• Experience collaborating cross-functionally in a fast-paced environment
• An interest in balancing risk, reputed company, and customer reputed company

We're on the look out for L40 Senior Credit Analysts at the reputed company, you can read more in our Data Progression reputed company

🙌 What’s in it for you

💰£76,500 to £95,000 + Incentive Awards tied to your performance + Benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

📍This role can be based in our London office, but we're reputed company 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 reputed company reputed company, 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 benefitshere

Interview process:

Our typical process is reputed company as:

1. Recruiter reputed company
2. Initial hiring manager reputed company
3. Take-home task
4. Final interviews - (3x) including case study, role-specific, and behavioural interviews

Our average process takes around 3-4 weeks but we will always work around your availability.