Senior Credit Strategy Analyst, Zopa
Collections
Salary not provided
SQL
Python
Senior and Expert level
London
2-3 days a week in office
Financial solutions for borrowers and savers
Be an early applicant
Financial solutions for borrowers and savers
501-1000 employees
FintechB2CLendingFinancial Services
Be an early applicant
Salary not provided
SQL
Python
Senior and Expert level
London
2-3 days a week in office
501-1000 employees
FintechB2CLendingFinancial Services
Company mission
To create simple, fair and honest financial products that have the customer's needs at heart.
Role
Who you are
- We look for bright individuals with a passion for translating numbers into customer and business opportunities and delivering insights to drive decision-making - if this resonates, we'd love to hear from you!
- You have strong experience analysing data to drive collections strategy within a consumer lending or debt collection firm
- You have a strong ability in manipulating and analysing large datasets using SQL and/or Python
- You are experienced in visualization and storytelling through data
- You have a passion for translating numbers into business opportunities and delivering insights to drive decision-making
- You are a structured and holistic problem-solver, and possess strong time management skills
- You have a passion for helping customers receive a seamless experience and good customer outcomes
- You have an insatiable curiosity and a relentless drive to learn, improve, and share knowledge with others
- You are able to work collaboratively with cross-functional teams, including operations, tech, compliance and product
What the job involves
- We're looking for a talented Senior Analyst to join our high-performing credit strategy analytics team at Zopa, where you will have the opportunity to drive significant improvements in customer and credit outcomes across Collections and Recoveries
- By leveraging hypothesis testing, portfolio trends, and industry advancements, you'll better engage, inform, and support customers facing financial difficulties
- Collaboration is key at Zopa. You'll work closely with cross-functional teams including operations, product, engineering, and data science to develop and drive engagement strategies, influence strategic decisions, and identify opportunities to enhance customer outcomes through cutting-edge analytical techniques
- As a Senior Analyst in Credit Strategy, you will be entrusted to lead on our most complex and highest impact projects
- You will be empowered to think outside the box and devise creative, innovative solutions to problems
- You will gather industry information to stay updated on latest trends and opportunities within the collections space
- You will have the opportunity to drive large scale strategic changes, transforming the impact we have on customers
- You will work in a team that covers a broad remit across credit and customer outcomes, considering engagement, information, solutions, regulations and customer experience
- You work in a wider cross-functional product, credit, and data science team, interacting closely with operations, so you will have the opportunity to work alongside, learn from and mentor some of the brightest minds and friendliest people in the industry!
- You work with large datasets and some of the best tech in the industry, such as powerful Python instances for data analysis and Redshift for data warehousing
- You will have the opportunity to mentor junior team members, fostering their growth and development within the team
- Projects our Senior Analysts currently manage include:
- Optimising collections strategy across our lending products, testing, iterating on and deploying advancements such as: new engagement strategies, customer capabilities, affordability assessments, forbearance solutions, and recoveries strategies. All while considering customer and credit outcomes, risks and regulations
- Shaping and enhancing our customer journeys and working with the product and tech teams to deliver these changes
- Using advanced statistical techniques to predict customer behaviour or forecast future collections engagement
- Working with open banking data or other novel datasets to find new ways of enhancing our engagement and customer information and education strategy
- Analysing the performance of our portfolio, identifying any areas of improvement, and recommending strategy changes based on these findings
- Building valuations models to inform strategic decisions while understanding their inherent limitations
- Towards the end of 2025 Zopa will be relocating to a brand-new headquarters at 20 Water Street in Canary Wharf. The 44,000 square foot workspace will foster collaboration and inspire creativity for our 900 employees amidst our 2025 growth blitz
Salary benchmarks
Our take
Zopa has been a pioneering force in the world of finance since 2005, lending out billions in personal loans since its inception, before the launch of its bank in 2020. Its depth of lending experience makes it a digital bank with a difference - offering all the benefits customers have come to expect from a challenger bank, but backed up by 16 years of know how.
As a bank, Zopa has the flexibility to offer much more than loans to their customers, such as their fixed term savings accounts and credit card. Their model is clearly defined, with a focus on lending and saving rather than current accounts - and its investment in its banking license has clearly paid off. The company has recently seen significant investment that will accelerate the growth of its current products as well as support expansion into the business lending space. It has also made its first ever acquisition, of the ‘buy now, pay later’ platform DivideBuy.
Freddie
Company Specialist at Welcome to the Jungle
Insights
Top investors
Company
Employee endorsements
Intelligent people
"My colleagues here at Zopa have a wealth of knowledge which they share constantly and are always willing to assist or give a second opinion on..."
Funding (last 2 of 14 rounds)
Dec 2024
$93.3m
LATE VC
Feb 2023
$99.4m
LATE VC
Total funding: $962.9m
Company benefits
- Discounted gym membership
- Cycle-to-work scheme
- Enhanced maternity and paternity leave
- Hybrid & flexible working model
- Health insurance with Vitality
- Generous holiday plus Zopa bank holidays
- 2 volunteer days a year
- Employee Assistance Programme
- Life Assurance
- Private healthcare from Vitality
- Great deals on Zopa products
- Season ticket loans
- Discretionary unpaid leave
- Games room, meditation room, subsidised yoga classes, football league and more
Company values
- Champion our customers - Whatever your role, you’ll be close to our customers. We care passionately about doing the best for them.
- Help us make fearless choices - Our environment is fast-paced, agile and open. You’ll solve interesting and challenging problems, and be trusted and empowered to bring your ideas to life.
- Walk the talk - Like us, you’ll be honest, stick to your promises and face the tough moments head-on.
- Win smarter - You’ll be always on the lookout for a better way of doing things, going beyond ‘good enough’ and welcoming different points of view.
- Be in it together - You’ll join an ambitious, diverse and all-round approachable team with a mix of ideas and talents who inspire each other to be better every day.
Company HQ
London, UK
Articles
Leadership
Giles Andrews OBE
(Board Member)Independent Non Executive Director at C. Hoare & Co., and at the Bank of Ireland. Chairman of carwow. Board Member at the Innovate Finance FinTech Strategy Group. Previously founded Caverdale Group.
Jaidev
(CEO, not founder)Promoted from within Zopa, previously COO. 12 years of experience at Capital One, including Chief Marketing Officer for UK.
Diversity, Equity & Inclusion at Zopa
Jamie Ferguson (Talent Acquisition Advisor)
- We're always looking for passionate and talented people who can help us be the best place for money. We welcome everyone, regardless of age, disability, gender, sexual orientation, parental status, race or religion.
- We run a successful mentoring program, with 28 mentors across the business. We believe this launching pad helps our internal talent stretch beyond their comfort zone, explore new avenues and grow into future leaders.
- We’re focused on ensuring a fair approach to attracting talent, from how we advertise roles to our application and interview process. For all our hiring requirements we mandate 50/50 shortlists and diverse interview panels. We also run all our adverts through a recognised gender de-coder to ensure we attract and hire a diverse range of people. More recently we’ve been experimenting with new job boards and partnerships like Otta Jobs and BYP Network (Black Youth Partnership Network) to increase diversity in our candidate sourcing.
- We’ve secured trail-blazing partnerships with organisations like Code First Girls, YSYS and BYP Network. We’ve already had huge success with our Code First Girls cohort who joined our tech community as Software Engineers and Database Administrators in January.
- We encourage Zopians to create memorable career journeys, and internal mobility plays a huge part in this. All our live job vacancies are posted on our internal jobs board. Over the last 12 months, we’ve trained and supported many Zopians to make internal career moves and become compliance officers, developers, lawyers and HR specialists. In fact, 20% of our open roles in Q3 2021 were filled by internal candidates. This not only makes Zopa a great place to work, but also allows us to break down some of the systemic pipeline issues that we see in STEM professions.
- Our Diversity & Inclusion focus groups and “All in” club celebrate diversity through various company events, such as quiz nights and “Bring your kids to work” day – our favourite is international food night!
- Everyone at Zopa has different working styles, and we want to support them in any way possible. That’s why we’re committed to flexible working whether that’s from home, in the office or a combination of both. What’s more, our model includes the option of working from abroad for up to 90 days a year!
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