Monitor, refine and develop Credit strategies for personal loans.
Create test/control champion/challenger tests and monitoring to inform future strategies.
Perform ad-hoc analytics, create reporting and presentations.
Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company, they combine the agility and customer focus of a fintech with the global reach, stability, and purpose of a leading financial institution.
Leading the credit risk strategy oversight team and owning the delivery of independent oversight and assurance plans.
Supporting the team in reviewing credit strategy and product changes, highlighting key risks and influencing decisions.
Partnering with colleagues to support credit strategy changes, including new product launches and ensuring risk appetite is met.
Monzo is on a mission to make money work for everyone, waving goodbye to complicated traditional banking. After starting as a prepaid card, they have grown, now offering personal & business bank accounts, joint accounts, and credit cards with more to come.
Monitor indicators-key of the credit cycle, as approval, default, losses, return/profitability, cohorts, stability of policies and decision quality.
Develop and run tests to challenge current policies (experiments and incremental changes), covering the complete process: hypothesis definition and test design alignment with stakeholders.
Produce analyses and materials that support decisions (dashboards, deep dives, post-mortems), with clear communication for technical and business audiences.
Zippi is on a mission to boost the 22 million micro and small businesses (MSEs) in Brazil with financial solutions that truly meet their needs. They pioneered the use of PIX as a credit platform, enabling MSEs to access working capital instantly. The company has experienced exponential growth and has granted over R$ 7.6 billion in credit to micro and small businesses across Brazil.
Lead development, improvement and monitoring of processes for payment default and balance persistency guidance for personal loans
Provide scenario analysis and financial impact sizing from changes in credit underwriting and pricing policy.
Assess macroeconomic trends and adjust expectations accordingly
Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company, they combine the agility and customer focus of a fintech with the global reach, stability, and purpose of a leading financial institution.
Own strategy and execution for card fraud, while also contributing to broader fraud strategy across adjacent domains
Use data and quantitative analysis to design fraud controls, mitigate risk, and improve customer experience while balancing trade-offs
Partner with Compliance and Legal to ensure solutions align with regulatory requirements
Mercury is building a complete finance stack for startups. They work to create the easiest and safest banking experience possible to simplify entrepreneurs' and business owners’ financial lives.
Analyse M-KOPA's repayments data and other data sources to continuously improve credit scorecards and eligibility criteria while managing credit risk.
Refine loan pricing based on credit analysis and customer behaviour.
Test new loan types to understand customer demand and credit performance.
M-KOPA provides financing for everyday essentials accessible to everyone. They have served over 7 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa and are recognized as one of Africa's fastest growing companies.