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.
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.
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.
Designing and optimizing credit risk strategies, including policies and scorecards.
Managing performance of application scorecards and identifying emerging risks.
Producing clear MI and analysis covering application volumes and risk performance.
Tandem Bank is a digital bank founded in 2014 in the UK, focused on sustainable banking. With over 500 employees, they foster a culture where employees contribute to meaningful products that improve financial choices and promote environmental responsibility.
Proactively explore data and identify opportunities to help accelerate product development or improve existing products in Trust and Safety.
Translate analysis and trends into recommendations for business logic to improve identity and fraud conversion rates or fraud rates.
Own end-to-end analytics workflow, including defining success and performance metrics, socialising them across the organisation.
Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. Affirm is proud to be a remote-first company with competitive benefits that are anchored to our core value of people come first.
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.
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.
Own end-to-end collections risk management for Flex's credit card portfolio across consumer and small business segments.
Build and maintain collections performance frameworks that surface deterioration signals early and enable proactive treatment.
Synthesize data across sources to segment the delinquent population intelligently and match treatment intensity to recovery probability.
Flex is building the AI-native private bank for business owners, re-architecturing the entire financial system for entrepreneurs. They have scaled from zero to nine-figure annualized revenue, with a clear path to profitability by late 2026 and move fast, ship relentlessly, and operate with extreme ownership.
Design, implement, and thoroughly test changes to the customer acquisition and underwriting decision engines to optimize origination volume and loan performance
Write and maintain a suite of unit and regression test cases to ensure the accuracy of changes to the customer acquisition and underwriting decision engines
Communicate concise and actionable business strategy recommendations to senior management
NinjaHoldings aims to revolutionize how Americans interact with financial services. They have a lean and innovative team disrupting consumer finance with offices in Chicago, Miami, and remote locations around the world.
Price deals in new merchant categories and design premium structures from first principles.
Build tooling to monitor loss ratios and recommend claims initiatives and premium adjustments.
Own the risk narrative with senior leadership, explaining loss ratio movements and next steps.
Extend enhances customer experience for retailers with AI-driven solutions. They offer automated customer service, returns management, and fraud detection and are backed by prominent technology investors.
Lead analytical work across the merchant risk lifecycle.
Build and maintain queries, dashboards, and reporting.
Investigate high-risk merchant activity.
Wisetack builds consumer lending products for service-based businesses. They are a well-funded startup backed by leading VCs, and the leadership team comes from top fintech companies.
Own and analyze the end-to-end user funnel to improve conversion and user experience.
Define KPIs and measurement frameworks for product initiatives and business Performance
Lead the design and analysis of A/B tests, including hypothesis definition and impact evaluation
Resident is focused on quality materials, timeless style, and comfort. They are one of the fastest-growing, scaled, and profitable omnichannel retailers in North America.