Credit Strategy Analyst

📍Hybrid role based in London

Role Overview 🚀

We're looking for a Credit Strategy Analyst who will be developing credit risk strategies that balance customer growth targets (volume) with credit risk. In this role, you will be using data and analytics to solve business problems related to credit risk, pricing and portfolio monitoring and analytics.

The successful candidate will be a highly numerate graduate with strong foundations in mathematics, statistics, econometrics or related subjects, capable of translating complex, distributed data into clear, actionable business strategies. This role reports to a Credit Strategy Manager and will work closely with cross-functional teams including sales, data science, product, tech and operations, to develop our credit strategy and identify new opportunities through the application of cutting-edge analytical techniques.

About Uncapped 👫 

Founded in 2019, Uncapped is a fintech company focused on providing working capital to SMEs in North America and Europe.

We leverage multiple data sources to make credit decisions faster, safer and more conveniently. We are working with the largest platforms in the world, including Amazon and Walmart, and strive to be the best alternative-lender globally.

What you will do ✍️

Your impact will be focused on two core pillars: Credit Strategy & Analytics and Reporting & Data

• Build Data Driven Strategies: Identify the factors that shape credit outcomes, and use these signals to develop strategies that optimise business outcomes within our risk appetite. Explore alternate data sources and recommend data enrichment strategies to improve our decision engine.
• Structure & Build Reporting: Design, build, and maintain the reporting requirements for the risk team. You will ensure that the credit risk metrics are accurate, accessible, and up-to-date.
• Generate Actionable Insights: Move beyond simple reporting by analysing the data to find trends, opportunities, and emerging risks. You will need to visualise these findings and present them in an accessible fashion to help wider teams make evidence-based decisions.
• Cross-Functional Collaboration: Work closely with the commercial and engineering teams to ensure credit risk requirements are considered while building new propositions and introducing new channels/segments.

Requirements

Who you are 👀

• Analytical: You have exceptionally strong analytical skills and can break down complex business problems into solvable components. You aren't afraid to challenge assumptions.