Credit Risk Analytics Manager, Yonder
£64.6-73.4k
£43,605 - £59,149 stock options
3-5 days a week in office
Credit and debit rewards cards
Be an early applicant
Credit and debit rewards cards
101-200 employees
Be an early applicant
£64.6-73.4k
£43,605 - £59,149 stock options
3-5 days a week in office
101-200 employees
Company mission
To empower people to build financially rewarding lives.
Role
Who you are
- ✅ Have a few years’ experience in credit risk, ideally with credit cards or unsecured lending. Bonus points if you have experience with collections or portfolio management!
- ✅ Get how lending decisions affect commercial outcomes and know your way around scorecards and predictive models
- ✅ Can write SQL or Python to dig into data and keep an eye on risk and performance
- ✅ Have experience working hands-on in decisioning tools like Taktile (or similar)
- ✅ Own problems end-to-end: you see an issue, dive in, and fix it fast
What the job involves
- We’re hiring for two Credit Risk Analytics Managers to join Chief Risk Officer Theso in protecting Yonder and its customers from lending and underwriting risk - while also driving growth
- You’ll be at the centre of Yonder’s credit risk strategy - owning the design, implementation, and improvement of how we acquire, manage, and grow our customer base.
- This is a hands-on role where you’ll have space to try new strategies, measure their impact, and adjust quickly without the red tape of a slow-moving bank. If you love credit risk, have a few years’ experience, and are itching to take full ownership in a fast-paced environment, this is the role for you
- Bring in the right customers: You’ll continuously improve our lending decisions, making sure we can approve customers who’ll love Yonder and pay us back on time - and decline those who won’t
- Help our members grow with us: You’ll find ways to responsibly boost spending, balances, and long-term value from our existing customers. You’ll own this end-to-end: from coming up with an idea, to deploying it quickly, to learning from the result
- Make changes that stick, fast: You’ll build and tweak credit rules directly in our decisioning tool, Taktile. At Yonder, you can implement good ideas yourself, and changes go live without the wait
- Solve problems across the business: Credit risk is an important factor in many decisions at Yonder. You’ll work with the marketing team to help attract the right members, with finance to sharpen our credit loss forecasts and provisioning, and with collections to identify customers who are likely to miss a payment and help them get back on track before they do
- Spot what’s coming: You’ll build monitoring and dashboards, and use these to spot new risks or opportunities before they happen. You’ll also partner with fraud to spot signs of risky early behaviour in new customers, before this turns into losses
Application process
- Stage 1: Intro call (45 mins): We’ll have an initial call with to find out more about you and to tell you more about us
- Stage 2: Take home task (48 hours to complete): A take-home task designed to see how you think about credit risk and make the right credit risk decision with data that is provided
- Stage 3: Face-to-face interview (2.5 hours): One 90-minute and one 60-minute interview to learn more about how you work. This will also be a great opportunity for you to meet the rest of the team so we would love it if you can come into the office for it! Interviews will be structured as follows:
- Experience interview: We’ll have two tasks for 45-minutes each. Each task is designed to give you a feel for what you’ll likely expect to see in the role and also gives you an opportunity to showcase your experience. This stage will be with Theso and a fellow member from our risk team
- Values interview: We want to learn more about how you work - we’ll ask you questions related to our principles (Our DNA). This stage will be with two people from our wider team
- Stage 4: We always complete reference checks at this stage - ideally with a previous manager and a peer over the phone
- Stage 5: Offer If everyone’s happy, we’ll make you an offer to join us - YAY! 🎉 We hope to always give you a decision between each stage within 24 hours (where possible)
Salary benchmarks
Our take
Two of Yonder's founders moved to the UK from Australia and despite having a stable income and a mortgage back in Australia, struggled to access high-quality credit products. After realising this was the case for over 8.3M people in the UK, they wanted to make money rewarding and credit-empowering; thus, Yonder was born.
The company promises to offer a modern rewards credit/debit card with no foreign exchange fees, worldwide travel insurance, and more. The team has significant experience in this space, having worked for multiple years at ClearScore, one of the UK's largest consumer credit marketplaces. By prioritising the customer, not the bank, Yonder offers a highly appealing alternative to traditional credit card options.
Further, the company has secured significant additional funding to expand into new verticals and launch in new UK cities. And with paid and free membership options, Yonder is widening their market and making sure there's an option for everyone.
Steph
Company Specialist at Welcome to the Jungle
Insights
Company
Funding (last 2 of 4 rounds)
Sep 2024
$31.6m
EARLY VC
Apr 2023
$16.9m
SERIES A
Total funding: $76.5m
Company benefits
- 35 holidays a year (27 + 8 public holidays)
- £750 learning and training allowance every year
- Monthly team breakfast and social events
- Free breakfast, snacks, and stocked drinks fridge
- We’re office-first, based in Hoxton
- We pay 75-90th percentile in our industry, plus equity
- Cycle to work scheme
- Private Healthcare, including vision, dental & mental health
- Opportunity to try loads of restaurants across London
- 16 weeks enhanced parental leave
Company values
- Obsess over customers: We sweat the details and make every moment so seamless; it feels magical. We’re famous for how we go above and beyond for our customers
- Act like an owner: We take accountability for our successes and failures and set high standards. We always act in the best interests of Yonder and society
- Move quickly and learn: We move quickly to deliver high impact results and aren’t afraid to learn from mistakes. We don’t wait for someone else to do it; we step up when we see a gap
- Embrace the challenge, together: Great work is always done by great teams. We ask for help and generously support each other
Company HQ
London, UK
Leadership
Tim Chong
(Co-Founder & CEO)Previously Head of Product at ClearScore, where they worked for 3 years. Prior to that, spent 6 years at Accenture where they were a Growth Strategy Manager & Australia Lead.
Harry Jell
(Co-Founder & CTO)Previously Lead Developer at ClearScore, where they spent 4 years. Prior to that, they spent 2 years at OpenMarket as a Software Developer.
Theso Jivajirajah
(Co-Founder & Chief Risk Officer)Previously Data Science Lead at ClearScore for 3 years. Prior to that, built up 10 years of experience in finance & credit at Commonwealth Bank, Deloitte, and Vanquis Bank.
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