We are looking for a commercially minded analytical professional to join our Customer Lending team, playing a key role in shaping how we manage and optimise our existing customer portfolio.
In this role, you will analyse and enhance customer management and credit risk strategies across the portfolio, using data-driven insights to improve payment behaviour, risk outcomes, impairment, and overall customer experience. You will work closely with Credit, Strategy, and wider business teams to design new customer treatments, evaluate live strategy tests, and identify opportunities to strengthen decision-making.
Alongside hands-on analytical work, you will contribute to strong governance across customer strategies and support the development of junior team members, helping to embed best practice and raise analytical capability across the function.
How you’ll contribute
Analysis and optimisation of our existing portfolio strategies to generate insights in a robust and efficient way. Identification and implementation of strategy improvements.
Development of new portfolio strategies and customer treatments to improve customer payment rates, risk profile, impairment and customer outcomes.
Generation of insights into strategy tests that are running on the portfolio, recommending how to take the test forwards. Development of new tests where appropriate.
Analysis of new data sources to understand how they can enhance our credit risk capabilities within existing customer management.
First Line of Defence ownership for governance of customer strategies
Mentoring and supporting junior team members, both within Customer Management and wider Credit Management team.
We're looking for these essential skills
University degree level or similar with highly numerate and analytical background
A strategic problem solver with strong commercial acumen and the ability to translate insight into action
High level of self-motivation and working to the highest standard within agreed timelines
Strong coding experience (Preferably Python or SQL), proficient with all Microsoft Office products as well as Experience in Tableau or Power BI tools
Proven experience within a regulated financial services organisation.
It’s a plus if you also have these skills
Non-linear risk models and how to best utilise the power of them
Delivering analytical insights from big data
Ability to work positively within an agile environment with changing priorities
Externally this role could also be known as Senior Credit Strategy Analyst, Senior Credit Risk Analyst, Senior Affordability Analyst
At NewDay, we value all types of diversity. We’re an equal opportunity employer and believe that our differences create a vibrant, authentic working culture. We want all our colleagues to feel able to bring their whole selves to work. We don’t discriminate on the basis of protected characteristics or identities. We make sure that every job is crafted to be inclusive and that people with disabilities or caring responsibilities can take part in the application and interview process.
Tell us if you need accommodations: We’ll put reasonable adjustments in place to support you.
We work with Textio to make our job design and hiring inclusive.
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What We Do
At NewDay, our business is focused on a single, clear and defining purpose: to help people move forward with credit. We provide nearly 4 million customers with responsible access to credit, underpinned by best-in-class customer service and exceptional user experience. Our in-house, highly scalable digital platform alongside our proprietary credit decisioning capability unlocks our competitive advantage. Our broad credit product offering enables instalment finance, BNPL, 0% finance and carded and digital revolving credit. We operate multiple direct-to-consumer products and a range of credit solutions with some of the UK’s most loved brands. Our underwriting capability and experience allow us to responsibly say yes to more UK customers making us a merchant partner of choice. We partner to harness the power of data to drive commerce across the UK, creating value at scale.
