Quantitative Credit Risk Analyst, Creditspring
£50-60k
+ Equity
2-3 days a week in office (Wardour St, London)
Membership loan service
Be an early applicant
Membership loan service
21-100 employees
Be an early applicant
£50-60k
+ Equity
2-3 days a week in office (Wardour St, London)
21-100 employees
Company mission
To change the way people deal with unexpected expenses.
Role
Who you are
- The role is suited to a well-rounded candidate, with strong project management skills and analytical mindset
- 2+ years of prior experience in in credit risk analytics, preferably within an SME or retail lending environment
- Solid knowledge of Python for data extraction, transformation and analysis
- Experience with statistical inference and supervised machine learning stack (scikit-learn, pandas, numpy, jupyter)
- SQL proficiency in manipulating, merging, and cleaning or checking data from multiple sources including internal data and external feeds
- Demonstrated success in analytics delivery - via presentations, reports and BI dashboards
- Strong communication skills, with the ability to explain complex concepts to non experts
- Ability to work independently and collaborating withing cross-functional teams
- Comfortable working in a fast-paced and ever-changing work environment
- Willingness to take on a broad range of tasks outside of “core role”
What the job involves
- Working within Underwriting (Data Science) team, you will be instrumental in supporting the company’s ability to assess credit risk, optimise product offerings, and have the opportunity to advance your data science skills
- Sitting at the intersection of Data, Engineering, Operations, Product and Marketing, the role is critical to support further platform growth and product innovation
- It offers an opportunity to develop and deepen data science, business and system analytics skills
- Business partner to other teams to assess feasibility and support various growth initiatives, designing and implementing acquisition, product and lending strategies
- Lead end-to-end reviews of incoming queries related to decisioning process and onboarding journeys – producing recommendations and making data-driven decisions
- Investigating and explaining performance trends using SQL skills and knowledge of the systems
- Communicate insights and findings effectively to stakeholders
- Coordinating change processes related to credit lifecycle - from idea generation, project management to deployment and monitoring
- Maintaining up to date documentation and log of the changes
- Quality assurance, including code review, pre and post deploy testing and long term post-deploy monitoring
- Monitor decisioning funnel performance and suggest continuous improvements to the decisioning checks
- Exceptions monitoring, reporting team and company KPIs and OKRs
- Creating monitoring dashboards and promoting to company wide MI tools
- Data lead on the external API feeds used in decisioning – credit reference agencies, open banking data providers and other providers
Salary benchmarks
Our take
Unexpected expenses are inevitable. However, there are limited and unfavourable options when it comes to managing these expenses: overdrafts are confusing, credit cards are risky, and payday loans are expensive. Creditspring aims to solve this problem by creating financial services that can help people manage their unexpected expenses.
Creditspring differentiates itself by not charging interest on its loans: clients only pay a fixed membership fee in addition to what they borrow. What's more, Creditspring sets out to improve the financial stability of its clients by offering budgeting tips, ways to improve their credit score and a personalised score that is updated every month- allowing them to monitor their improvement.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
Company
Employee endorsements
Opportunities to learn
"Since I joined Creditspring, I learned a lot about underwriting and lending industry. Everyone is willing to help and answer questions, no questions..."
Funding (last 2 of 6 rounds)
Jul 2022
$10.7m
SEED
May 2022
$63.2m
GROWTH EQUITY VC
Total funding: $85.2m
Company benefits
- 🛋 Hybrid & flexible working - we also give you the option to work from anywhere
- 🧑🏫 £1000 annual training budget
- 💰 Equity participation
- 🧘🏽♀️£600 annual Juno flexible wellbeing budget
- 💻 Company Apple Macbook & WFH accessories
- 🍱 New starter team lunches
- 🕺Regular social & team events
- 🩺 Bupa health insurance including Mental Health Consultations, Free Digital GP service (24/7), therapies and Diagnostic Tests and much more!
- 🏋️♀️ 1:1 Private health and wellbeing assessments, ongoing health and wellbeing coaching and support through HAWQ with workshops and socials
- ⚕️Bupa health cash plan to help with everyday medical expenses such as dental and optical
- 🏄🏻♀️ 25 days paid holiday increasing by one day per year up to a maximum of 30 days, plus public holidays
- 👶🏼 Workplace Nursery Scheme
Company values
- Work Together
- Do the Right Thing
- Love What You Do
- Don't Settle
- Take Smart Risks
Company HQ
Soho, London, UK
Articles
Leadership
Neil Kadagathur
(CEO)Studied Economics at Princeton University. Previously Executive Director at Goldman Sachs for 12 years.
Sabrina Loi
(Chief Design Officer)They were a Deputy Creative Director at Soleja for 12 years. Their experience lies in the design industry as a professor and a consultant.
People progressing
Jenni joined Creditspring in 2021 as a Junior Product Designer, since then they have been promoted to Product Manager and Senior Product Manager.
Jonika joined Creditspring in 2020 as a Marketing Executive, and since then they have worked their way up to become a Senior Communications Manager.
Diversity, Equity & Inclusion at Creditspring
Linda Murphy-Ericsson (People & Culture Partner)
- Don’t meet all the listed requirements? Research shows that women and people of underrepresented groups often don't apply for jobs unless they're 100% qualified. As an equal opportunities employer, we know that diversity is a key part of our teams' successes - so if your experience doesn’t fit perfectly but this role excites you, we’d love for you to apply. We’re committed to Creditspring being an inclusive environment where employees feel welcomed, valued and listened to; we want you to thrive as your true self.
- As an equal opportunity employer and advocates of Diversity, Inclusion and Equity, Creditspring proudly welcomes job applications from people of all races, ethnicities, disability statuses, ages, religions, gender identities or expressions, and sexual orientations.
- We are 102 Springmates, 23 unique nationalities and speaking a combined 38 languages
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