Senior Credit Risk Analyst

Wagestream is on a mission to bring better financial wellbeing to frontline workers.

We partner with some of the world’s most famous employers, like Bupa, Burger King, Green King and the mighty NHS to give their teams access to fairer financial services - all built around flexible pay. Over three million people can now choose how often they’re paid, track their shifts and earnings, start saving, use budgeting tools, get free financial coaching, and access fairer financial products. All in one financial wellbeing super-app.

Wagestream is unique: VC-backed and growing at scale-up pace, but with a social conscience. Some of the world's leading financial charities and impact funds were our founding investors, and we operate on a social charter - which means every product we build has to improve financial health and reduce the $5.6bn ‘premium’ lower-income earners pay for financial services each year.

You’d be joining a team of over 200 passionate, ambitious people, across Europe and the USA, building a category-leading fintech product and all united by that same mission.

The Opportunity:

We’re seeking a Credit Risk Analyst to join an incubation squad and play a pivotal role in one of the fastest growing scale-ups in Europe, as we head for neobank status. As part of this role, you will be building out products unseen in the marketplace, helping to establish our lending strategy, seeing it through to a billion pound portfolio.

If you are motivated, highly analytical and love using data insights to drive real business strategy, this is a perfect opportunity to join a growing team early in the product lifetime. This role operates within a multi-functional team which manages all aspects of credit products.

What will you be doing?

• Define and optimise the credit strategy for our evolving lending portfolio, ensuring alignment with business objectives
• Discover insights from data and formulate strategies to answer the big questions and address key business questions
• Collaborate with cross-functional teams to implement your strategies in the market effectively
• Monitor and assess the success of implemented strategies, and continuously identifying further opportunities for enhancement
• Formulate strategies to improve our affordability policy and ensure the delivery of positive customer outcomes

What experience might you have?

Must-haves: (But if you’re close… we'd still love to talk to you!)

• Ability to understand and work with numbers effectively
• Proficiency in analytical tools like Excel and SQL (Python is welcome)
• Experience in a consumer-lending environment, ideally with credit cards or unsecured loans
• Inquisitive and truth-seeking attitude, with an inclination to challenge the status quo
• Excellent communication skills and ability to collaborate effectively in a cross-functional environment

Working Policy: Three days per week in the London hub

Salary: dependant on experience, salary ranging form £50,000 - 80,000 + bonus & stocks

Working Policy: Hybrid, with three office days per week

Benefits:

• 25 Days Annual Leave in addition to public holidays (up to 5 day rollover), as well as flexible time off allowances for any ad-hoc childcare/family/caring needs
• 10 days Annual Leave Buy-Back scheme
• 24 weeks' paid Maternity Leave and 4 weeks paid Paternity Leave for employees with over 12 months service
• Special Leave for In Vitro Fertilisation (IVF) and other fertility treatments
• Sabbatical scheme
• Paid leave to volunteer
• Work from Abroad policy
• Private Healthcare via AXA including comprehensive mental-, physical- and dental healthcare
• Salary sacrifice to pension, as well as bonus exchange to Pension: reap even more rewards of any bonus by paying into your pension & save on Tax and NI + added compound growth
• Season Ticket Loan
• The best benefit of all, access to Wagestream!
• Access to Salary Sacrifice Schemes via ThanksBen: THE Benefits marketplace. Choose the benefits you want, when you want. Pay less tax, receive more value

Including:

• Workplace nurseries
• Cycle to Work
• Home and Tech Scheme
• Healthcare cash plans, etc
• Discounts Platform

At Wagestream we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our product and our community to flourish. Wagestream is an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity/expression, or veteran status.