Lead Credit Risk Analyst, NewDay

Customer Management & Affordability

Salary not provided

SQL

Python

Tableau

Power BI

Mid and Senior level

London

2-3 days a week in office (King's Cross, London)

Providing responsible access to digital consumer credit

Open for applications

Providing responsible access to digital consumer credit

1001+ employees

FintechCredit ScoringB2BPersonal financePaymentsLendingCredit cardsFinancial ServicesAPID2C

Open for applications

Salary not provided

SQL

Python

Tableau

Power BI

Mid and Senior level

London

2-3 days a week in office (King's Cross, London)

1001+ employees

FintechCredit ScoringB2BPersonal financePaymentsLendingCredit cardsFinancial ServicesAPID2C

Company mission

NewDay's business is focused on helping people move forward with credit. They do this through their proprietary credit decisioning capability, best-in-class customer service, and exceptional user experience.

Job

Company

Role

Who you are

Strong coding experience (Preferably Python or SQL), proficient with all Microsoft Office products as well as Experience in Tableau or Power BI tools
A strategic problem solver; highly intellectual with commercial competence
Proven experience within a regulated financial services organisation
High level of self-motivation and working to the highest standard within agreed timelines
University degree level or similar with highly numerate and analytical background

Desirable

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

What the job involves

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
1LoD on Governance surrounding existing customer strategies
Mentoring and supporting junior team members, both within Customer Management and wider Credit Management team

Salary benchmarks

Our take

NewDay plays an important role in the financial lives of over 5 million people in the United Kingdom. As the UK's fifth largest card issuer it provides a white label credit solution to some of Britain's largest brands, including John Lewis and Argos. It also offers credit directly to consumers under its own Newpay Buy Now, Pay Later (BNPL), Aqua credit card and Bip digital brands.

A tech-first company, NewDay leverages over 1 trillion customer data points and insights to responsibly offer credit to customers. This has given it a powerful edge against legacy issuers who rely on slower and less accurate credit bureau reports. This performance has led to it winning business away from its less agile rivals, such as the John Lewis Partnership Card contract where NewDay replaced HSBC.

Following on from its success in recent years it is focusing on further improving its product, forming a partnership with Checkout.com to process the £6 billion in payments its customers make each year. This will allow NewDay's infrastructure to scale along with the company's continued growth: something that's sure to be needed as Britain's largest brands continue to turn to NewDay to manage their credit offerings.

Freddie

Company Specialist at Welcome to the Jungle

Insights

7% employee growth in 12 months

Glassdoor (3.9)

Trustpilot (3.7)

Company

Employee endorsements

Challenging work

"NewDay builds complex projects and it's normal to have 20 teams from variety of principals working on a new product. The collaboration is essential..."

Browse all endorsements

Company benefits

Health insurance and Dental Plan
Pension - double matched, with up to 14% from NewDay
Enhanced Family Leave - 26 weeks
26 Days holiday & option to buy
Annual bonus
Life Assurance
Employee Assistance Programme
Free Breakfast, Lunch, Coffee Bar, and Social Events
Season Ticket Loan
Free food boxes to go, if you're on the move or fasting
Flu Vaccinations
Health Tracking Booths
Free access to the Calm app for you and your family
Smart spending app discounts - save at over 750 retailers
Cycle to Work Scheme
Green Car Scheme
Give as you Earn Scheme
LinkedIn Learning

Company values

Do the right thing: We're guided by our responsibility towards our customer and to each other
Pull together: We take collective accountability. We support one another. We are stronger together
Aspire to extraordinary: We have the courage to challenge ourselves and we aim high
Create tomorrow: We build capability for the future. We push to experiment, adapt and change

Company HQ

London, UK

Articles

Newpay partners with THG to help customers spread the cost of online purchases

Checkout.com forges partnership with payments fintech NewDay

NewDay's 2022 Sustainability Report

John Lewis credit card provider NewDay turns to Checkout.com for payments

Leadership

Paul Sheriff

(CFO, not founder)

CFO for NewDay since 2016. Previously Chief Financial Officer/Chief Operating Officer for Legatum in Dubai, and CFO/COO for Record plc.

John Hourican

(CEO, not founder)

Irish banker and businessman, CEO of NewDay since September 2019. Formerly CEO of the Bank of Cyprus from 2013 to 2019.

Diversity, Equity & Inclusion at NewDay

Anouski Roberts (Head of Engagement and Inclusion & Diversity)

Our flexible approach to hybrid working (we call it NewWork) is designed to help everyone find the right balance
We provide inclusion awareness training for everyone, with regular refreshers
Every colleague is encouraged to tell their manager if they need specific adjustments, including assistive tech and ways of working
Everyone has access to our confidential Care Package, with links to mental health first aiders, assistance and resources to stay healthy
We’re proud of our Inclusion Network, open to all – who host a range of events and panel discussions throughout the year

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