About the Role
You'll be the analytical engine driving the strategy that scales our lending business. You'll lead deep-dive investigations into portfolio performance, run A/B tests to move the needle on product, and do predictive work that helps senior leadership make high-stakes decisions fast across the entire lending lifecycle. You'll sit at the technical bridge between Data Engineering, Risk, and Commercial, reading and interpreting data through a commercial lens and telling the story behind the numbers. You'll need to be equally comfortable writing production SQL as presenting findings to the CFO.
Requirements
- Senior-level SQL and Python (Pandas, NumPy)
- Hands-on experience within a modern cloud data warehouse (Snowflake, BigQuery) and mastery of dbt for data transformation and modelling
- Significant experience in a modern UK fintech or high-growth consumer lender
- A proven track record in advanced cohort analysis, portfolio valuations and financial modelling
- Fluency in credit portfolio KPIs, risk metrics (PD, LGD, EAD) and credit bureau data nuances
- Ability to translate complex technical analysis into actionable product or risk interventions
- Fast-paced fintech mindset with full ownership of the analytical lifecycle
Responsibilities
- Lead complex ad hoc investigations into portfolio performance and credit risk drivers
- Propose and set up product experiments on Statsig to improve Credit products, then run the analysis to prove what worked
- Design, build and maintain robust data models in dbt for the credit data layer
- Architect cohort models that drive unit economics, portfolio valuation and LTV projections
- Proactively surface emerging risks and growth opportunities
- Deliver high-density deep-dives for strategic initiatives and present technical findings to senior stakeholders
- Partner with Decision Science and Product squads to integrate data-driven insights into automated underwriting and product features