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.
Support the implementation and ongoing operation of Monzo’s strategic risk oversight and framework processes.
Develop strategic risk oversight dashboards, building these from scratch and exploring both internal data and external macroeconomic data sources.
Interpret macroeconomic and external developments and assess their impact on Monzo’s strategic risks.
Monzo is on a mission to make money work for everyone, waving goodbye to the complicated ways of traditional banking. They have grown a lot in the last 10 years, with offerings such as personal and business bank accounts, joint accounts, and credit cards.
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.
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.
Manage a team of specialist Financial Crime risk owners to implement the fincrime strategy across the Business Bank as it develops new products and expands into new markets.
Develop strategic relationships with experts, product owners, and executives to provide expert knowledge and help define business requirements for financial crime prevention.
Suggest, develop, implement, and monitor industry-leading fincrime detection capabilities by working alongside data scientists, machine learning experts, product managers, and engineers.
Monzo is a UK-based digital bank on a mission to make money work for everyone, moving beyond traditional banking with personal and business accounts, savings, investments, and credit cards. It is known for its vibrant culture, award-winning customer service, and financial education on social media, serving a wide range of customers across the UK.
Build and own senior, executive-level relationships across partner banks.
Lead the design and rollout of new bank-led distribution and lending propositions end-to-end.
Continually monitor portfolio performance against agreed KPIs across origination, credit quality, collections, revenue and customer outcomes.
JUMO partners with banks to provide lending and digital banking solutions in emerging markets. They aim to drive financial inclusion through innovative technology and strategic partnerships, operating with a focus on scalability and impact.
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.
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.