A day in the life...
- Optimising credit strategy and decisioning for one of our lending products, either through the deployment of a new risk scorecard understanding the risks involved or designing and implementing a change to credit policy.
- Using advanced statistical techniques to predict customer behavior or forecast future demand.
- Shaping and enhancing our credit policy, and working with the product and tech teams to deliver these changes.
- Working with open banking data or other novel datasets to find new ways of enhancing our credit strategy.
- Managing the pricing & commercials on our lending programme and making recommendations on our strategy to the Product Directors.
- Analysing the performance of our portfolio, identifying any areas of improvement, and recommending strategy changes based on these findings.
- Collaborating with our fraud team to stay updated on latest trends and exploring potential enhancements to our fraud strategy.
- Formulating strategies to improve our affordability policy and ensuring we continually deliver good customer outcomes.
- Building NPV & pricing optimization models to inform lending decisions while understanding their inherent limitations.
About you...
- You have strong experience doing credit risk analysis in a consumer lending environment.
- You have a strong ability in manipulating and analysing large datasets using SQL and/or Python.
- You are experienced in visualization and storytelling through data.
- You have a passion for translating numbers into business opportunities and delivering insights to drive decision-making.
- You are a structured and holistic problem-solver, and possess strong time management skills.
- You have an insatiable curiosity and a relentless drive to learn, improve, and share knowledge with others.
- You are able to work collaboratively with cross-functional teams, including tech, data science, finance and product.
At Zopa we value flexible ways of working.
We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.
You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one.
*Subject to having the right to work in the country of choice
Diversity Statement
Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.
Our approach to AI in interviews
At Zopa, AI isn't something we're testing out — it's part of how we work every day. As a proud partner of Jobs 2030, we're committed to building AI fluency across our workforce, and we expect Zopians to use AI as part of how they do their jobs.
Because of that, we want to be transparent about how we think about AI use during our hiring process.
Behavioural and competency-based interviews: please don't use AI. These conversations are designed to understand you — your experiences, your judgment, and how you've approached real situations. An AI-generated answer can't tell us that. What it can do is get in the way of us finding out whether we're the right fit for each other.
Technical interviews: it depends on the role. Some technical stages actively welcome AI use, others don't. Your Talent Partner will let you know what's expected at each stage. Where AI is part of the assessment, we'll be interested not just in the outcome, but in how you used it – the tools you chose, your reasoning, and the decisions you made along the way.
Skills Required
- Strong experience doing credit risk analysis in a consumer lending environment
- Strong ability in manipulating and analysing large datasets using SQL and/or Python
- Experience in visualization and storytelling through data
What We Do
We’re Zopa, and we want to make money work better for you. Our diverse team is united in their mission of creating simple, fair and honest financial products that have the customer’s needs at their heart. We’re proud that this dedication is reflected in our excellent rating on TrustPilot. We’ve always been unapologetically honest with our customers, and value the same in return. Their feedback helps us shape what we build, so we can provide a bank fit for today, and for the future. We’re not the new kids on the block though - we’ve been a pioneering force in finance for 16 years. In 2005, we built the first ever peer-to-peer (P2P) lending company, giving our customers access to loans built for real-life and intelligent investments backed by cutting-edge tech. In 2020, we launched Zopa Bank, meaning we could offer more – like fixed term savings backed by FSCS protection and a credit card to help customers take control of their finances. We’ve lent out over £6 billion and are proud to have made money work better for over half a million people across the UK, whether they were looking to borrow or save.
