Credit Risk Strategy Analyst at Uncapped – London, United Kingdom
Job Description
Role Overview 🚀
We want to hire a highly technical Credit Risk Strategy Analyst to take responsibility for developing credit risk strategies that balance customer growth targets (volume) with credit risk while optimising profitability. The role will involve using data and analytics to solve a variety of different business problems relating to credit risk and pricing and provide insights into the performance of the portfolio, monitor trends etc.
This role will report to the Credit Risk Strategy Analyst and will work closely with cross-functional teams including sales, data science, product, tech and operations to develop and drive credit strategy and identify new opportunities through the application of cutting-edge analytical techniques.
About Uncapped 👫
Founded in 2019, Uncapped is the fastest, most affordable way for growing online businesses to fund marketing and inventory. The company was born out of frustration with the limited financing options available for UK and European entrepreneurs to finance growth.
Uncapped provides working capital loans to brands and retailers around the world, doing between $10m and $100m in turnover.
Uncapped has raised VC funding from most notable investors including Lakestar, Mouro Capital, Global Founders Capital, White Star Capital, Seedcamp, and All Iron Ventures.
What you will do ✍️
- Develop, maintain and monitor credit strategies across the customer lifecycle – we are building products that are not industry standard and therefore you will be expected to understand the broader product goals, identify appropriate data sources and then test and learn continuously to build strategies
- Work closely with data engineers and product teams to automate credit decisioning
- Work closely with the commercial teams to ensure credit risk requirements are considered while building new propositions and introducing new channels/segments
- Model customer profitability to optimise pricing strategies
- Build and improve tracking of business performance to enable identification and monitoring of current and emerging risks and incorporate learnings to improve credit strategies
Who you are 👀
- Experienced in a credit strategy setting and leading a key analytical function for volume credit products such as Credit Cards, Consumer Loans, and micro SME lending
- Advanced knowledge of Excel as well as one of the following programming languages: R, SAS, Python, SQL – you will have to be highly hands-on and code on a daily basis
- Educated to a degree level or above in Statistics / Mathematics / Econometrics
- A deep understanding of the full credit lifecycle combined with a very high level of commercial awareness
- Exceptionally strong analytical skills and an ability to think from first principles – we are looking for confident technicians who have sound grounding in analytical credit risk and are not afraid to tackle new problems
- Confident communicator, with demonstrable experience of having delivered insight and strategy to a variety of both technical and non-technical stakeholders
