Hybrid Credit Strategy Analyst

at iwoca

• Job title: Credit Strategy Analyst
• Job type: Full Time
• Experience level: Mid level, Senior
• Salary: £40,000 - £55,000 per year
• Degree requirement: Bachelor's Degree
• Tech skills: Python, SQL
• Location requirements: Hybrid, London, United Kingdom

About the role

• Analyze data and contribute to credit models for iwoca's lending strategy involving quantitative insights. Collaborate with teams for improved underwriting and decision-making processes.

Responsibilities

• You’ll analyse data and contribute to the development of our credit models for the enhanced underwriting segment.
• You’ll work with analysts, data scientists, and senior stakeholders to shape iwoca’s lending strategy.
• Build expertise in the credit domain.
• Develop your analytical skills through exposure to different experimental approaches and complex analysis.
• Practice turning data into information, and information into insights, so that you and various stakeholders can deliver improvements with real impact for our customers.
• Work on interesting and impactful projects, for example:
• Monitoring and refining risk models to improve decision-making and portfolio outcomes
• Analysing portfolios and tests to investigate credit performance, identify drivers of change, and adapt lending strategies
• Improving our data, systems, and workflows to strengthen underwriting and monitoring
• Supporting new product launches and adapting policies to meet investor and regulatory needs

Requirements

• A quantitative background, such as a degree in mathematics, statistics, economics, engineering, or a related field
• Ability to analyse data and generate insights to support decisions
• Ability to evaluate underwriting processes and improve credit models or policies
• Clear written and verbal communication, with the ability to tailor analysis and recommendations to different audiences
• A team player, with the ability to work confidently and enthusiastically with different people and teams
• Experience in B2B or B2C credit risk, lending, and strategy
• Proficiency in SQL and Python
• Experience with data visualisation tools like Looker

Benefits

• Medical insurance from Vitality, including discounted gym membership
• A private GP service (separate from Vitality) for you, your partner, and your dependents.
• 25 days’ holiday, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave
• A one-month, fully paid sabbatical after four years.
• Instant access to emotional and mental health support.
• 3% Pension contributions and share options.
• Generous parental leave and a nursery tax benefit scheme to help you save money.
• Cycle-to-work scheme and electric car scheme.
• Two company retreats a year, we’ve been to France, Italy, Spain, and further afield.
• A learning and development budget for everyone.
• Company-wide talks with internal and external speakers.
• Access to learning platforms like Treehouse.