Senior Credit Risk Strategy Analyst

Zilch; Greater London; Hybrid; GBP 60,000 - GBP 80,000; Full time

Job summary

A leading payment technology company in Greater London is looking for a Credit Risk Analyst to shape and optimise credit strategies. The role involves analysing data to improve approval rates and reduce losses while collaborating with various departments. Ideal candidates will have over 5 years of credit risk experience, strong SQL skills, and the ability to present insights to senior stakeholders. This position offers competitive benefits and opportunities for professional growth.

Benefits

Income Protection

Private Medical Insurance

5% back on in-app purchases

£200 for WFH Setup

Unlimited mental health sessions

Qualifications

• 5+ years of experience in credit risk, focusing on strategy and analytics.
• Strong SQL skills and experience querying large databases.
• Ability to analyse and present data to stakeholders.

Responsibilities

• Drive initiatives to optimise credit approval rates and loss performance.
• Provide actionable insights for automated decisioning.
• Collaborate cross-functionally to resolve credit-related issues.

Skills

Credit risk management

SQL proficiency

Stakeholder management

Data analysis

Agile methodologies

Tools

Tableau

Power BI

Looker

Job description

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 started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we’ve got big growth plans.

Want to join us?

About the role. Join us at the heart of a fast-moving, data-driven credit risk function where your work will directly shape Zilch’s rapid growth. In this role, you’ll take ownership of key credit and fraud metrics, driving initiatives that optimise approval rates, loss performance, and overall portfolio health. You’ll combine sharp analytical thinking with strong commercial awareness to uncover risk patterns, deliver actionable insights, and influence automated decisioning strategies at scale. Working closely with senior stakeholders and cross-functional teams you’ll help identify and deliver the initiatives that will drive profitable growth. If you’re excited by solving complex problems with data, championing measurable impact, and playing a pivotal role in building smarter credit strategies, this is a unique opportunity to make a real difference in a high-growth environment.

Day-to-day responsibilities.

• Own key metrics and drive specific initiatives and projects. You will champion the success of the initiatives, ensuring that the business draws the right conclusions.
• Optimising credit strategies for profitability, loss rates, approval rate and other KPIs
• Provide actionable insights and recommendations to your stakeholders for automated decisioning.
• Analysing data to find patterns of high-risk transactions from both a credit and fraud perspective and develop mitigating strategies.
• 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 matters.
• 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 defaults
• Preparing reports and documentation summarising credit risk findings, trends, and recommendations for management, regulators, and stakeholders.
• 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 solutions.

What we’re looking for...

• Ideally 5 years+ of experience in credit risk with direct exposure in strategy and analytics
• Experience in optimising onboarding and portfolio management process to improve credit driven OKRs
• A strong SQL background with experience in querying large databases deriving actionable insights
• Strong stakeholder management and communication skill, comfortable at presenting data result to senior levels
• Experience in data visualisation tools such as Looker, Tableau, Power BI etc.
• 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 environment while being able to work independently
• Ability to collect, analyse, organise, and disseminate significant amounts of information with attention to detail
• Exposure to building, implementing, or optimizing automated credit decisioning systems or workflows is a plus

Benefits.

• Compensation & Savings: Income Protection.
• Permanent employees enjoy access to our Share Options Scheme.
• 5% back on in-app purchases.
• £200 for WFH Setup.
• Private Medical Insurance including GP consultations (video, telephone or face-to-face).
• Prescribed medication, In-patient, day-patient and out-patient care.
• Mental health support, Physiotherapy, Advanced cancer cover.
• Employee Assistance Programme including:
  • Unlimited mental health sessions.
  • 24/7 remote GP & physiotherapy.
  • 24/7 helpline for emotional & practical support.
• Savings & discounts on everyday shopping.
• 1:1 personalised well-being consultations.

Family Friendly Policies:

• Enhanced maternity pay.
• Enhanced paternity pay.
• Enhanced adoption pay.
• Enhanced shared parental leave.

Learning & Development:

• Professional Qualifications.
• Professional Memberships.
• Learning Suite for e-courses.
• Internal Training Programmes.
• FCA & Regulatory training.
• Hybrid Working.
• Casual dress code.
• Workplace socials.

To apply for this role, please submit your CV along with a cover letter.

We acknowledge receipt of your resume for a position at Zilch and we appreciate your interest in joining our business.

We will screen all applicants and select candidates whose qualifications meet our requirements. We will carefully consider your application during the initial screening and will contact you if you are selected to continue to the next stage of the recruitment process. We wish you every success.

Zilch Technology is an equal opportunities employer and we encourage all applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, religion or belief.

Apply for this Job

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