Senior Credit Risk Analyst

Who we are:

Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right

?
We’ve already done big things since launching in the UK in 2020. In our first 24 months, we gained a huge 3 million customers. And just 14 months into our journey, we earned double-unicorn status – the fastest company in Europe to do so *bragging-not-braggin

g*There are some exciting projects coming up and we’ve got big growth plans. Want to join u

s?
The r

ole
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 ap

ply.
Day to day responsibil

• ities
  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 ma
• tters.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 def
• aults.Preparing reports and documentation summarising credit risk findings, trends, and recommendations for management, regulators, and stakeho
• lders.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 solu

tions.
We're looking

• for...
  Over 2 years of experience in data analytics and insight gen
• eration.A strong SQL background with experience in querying large data lakes/data war
• ehouses.Experience in data visualisation tools such as Looker, Tableau, Power
• BI etc.Strong understanding of how the lending/credit card/BNPL industr
• y 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 envi
• ronment.An analyst keen to contribute to existing initiatives, develop new strategies and confident to make recommen
• dations.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 d
• elivery.Can work independently as well as within
• a team.Ability to collect, analyse, organise, and disseminate significant amounts of information with attention to

detail.
Bonu

• s Skills:
  A financial technology or B2C scale-up b
• ackground.Additional coding language

(Python/

R)
Benefits
Compensation &

• amp; Savings
  Pension scheme - 5% employee contribution and 3% employer
• contributionDeath in Service scheme - 3x your annual basic salary to nominated
• beneficiariesIncome Protection - up to 75% of annual basic salary to cover long term inju

ry or illness
Health &

• amp; Wellbeing
  Private Medical Insur
• ance including;GP consultations (video, telephone o
• r face-to-face)Prescr
• ibed medicationIn-patient, day-patient and o
• ut-patient careMental
• health supportOptical, dental & aud
• iological cov
• erPhysiotherapyAdvanc
• ed cancer coverMe
• nopause supportEmployee Assistance Prog
• ramme includingUnlimited mental
• health sessions24/7 remote GP &
• ; physiotherapy24/7 helpline for emotional & pr
• actical supportSavings & discounts on ev
• eryday shopping1:1 personalised wellbein
• g consultationsGym membe

rship discounts
Family F

• riendly Policies
  Enhan
• ced maternity payEnhan
• ced paternity payEnha

nced adoption pay

• 
  Zilch App Rewards
  5% cashback in Zilch rewards on purcha
• ses through the app£200 Zilch rewards b

onus for WFH set up
Learni

• ng & Development
  Profes
• sional QualificationsPro
• fessional MembershipsLearnin
• g Suite for e-coursesInterna
• l Training ProgrammesFCA &

; Regulatory tr

• aining
  Workplace
• Perks
  Casual dress codeWor
• k related social eventsFree fruit, snacks, and ref