This is a high-impact opportunity to work at the centre of product performance and commercial decision-making. You’ll play a key role in analysing and optimising lending portfolios, using data to uncover insights, support strategy, and contribute to improving profitability across a growing suite of products and partnerships.
How you’ll contribute
Monitor, interpret and optimise the performance and profitability of new accounts acquired across our range of lending products, including our new embedded finance product for Argos. You'll become an SME on product performance and lifetime valuations, inspiring change within the organisation by crafting the data environment and analytical tools to explain performance. This involves spotting opportunities for optimisation, articulating the problem to the business, and driving your own recommendations to delivery.
Support the build and roll-out of new lending strategies by identifying patterns in data and translating them into clear, actionable insights for our NewDay brands and merchant portfolios, including John Lewis.
Produce, maintain and analyse performance curves within valuation models at product, cohort and segment level, using them to assess the net present value of lending cohorts and identify key drivers of performance and optimisation opportunities.
Work cross-functionally with enterprise partnerships and acquisition teams to build a shared understanding of product performance, helping surface insights and drive better optimisation decisions across NewDay and our retail partners, delivering strategic initiative projects and full delivery in a timely manner with the appropriate quality, control & commercial impact.
We're looking for these essential skills
Strong & proven quantitative analytical skills combined with knowledge of SQL/Excel and how to manipulate complex data to generate insights and recommendations.
Strong numeric and critical thinking skills and an ability to evaluate commercial and customer impact from pricing and strategic changes.
Ability to present findings & analysis in a structured way, particularly when addressing a non-expert audience ·
Collaborative operating style with ability and mind-set to get stuck in and support wider team objectives.
Experience using Python and visual analytics tools such as Tableau or Power BI.
It’s a plus if you also have these skills
Experience working on or with consumer lending products (cards / embedded finance / loans / mortgages) and the regulatory environment they operate in
Previous P&L exposure and familiarity reviewing financial performance
Externally this role could also be known as Product Performance Analyst, Commercial Analyst (Financial Services, FinTech), Portfolio Analyst (Lending / Credit), Customer Analytics Analyst, Lending Analytics Analyst, Customer Lending Analyst
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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.
PermanentSkills Required
- Proven quantitative analytical skills
- Knowledge of SQL and Excel for manipulating complex data
- Experience using Python
- Experience with visual analytics tools (Tableau or Power BI)
- Strong numeric and critical thinking to evaluate commercial and customer impact
- Ability to present findings to non-expert audiences in a structured way
- Collaborative operating style and willingness to support wider team objectives
- Experience working on or with consumer lending products (cards/embedded finance/loans/mortgages)
- Previous P&L exposure and familiarity reviewing financial performance
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.
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