Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 4 million customers. There are some exciting projects coming up and we’ve got big growth plans. Want to join us? The role We are seeking a highly skilled and detail-oriented Senior Credit Risk Analyst to join our dynamic team. In this pivotal role, you will leverage your analytical expertise to identify high-risk transactions, optimize credit strategies, and monitor credit portfolios for potential delinquencies or defaults. You will collaborate closely with cross- functional teams, including sales, marketing, finance, and legal, to ensure compliance with credit policies and address credit-related challenges. If you are passionate about driving impactful credit strategies in a collaborative, fast-paced environment, we invite you to apply. Day to day responsibilities Analysing data to find patterns of high-risk transactions from a credit point-of-view. Optimising credit strategies for profitability, loss rates, approval rate and other KPIs. Collaborating with other departments such as sales, marketing, finance, and legal to ensure compliance with credit policies, resolve credit-related issues, and provide guidance on credit risk matters. Monitoring the credit portfolios to identify and assess any changes in credit risk exposure. This may involve tracking credit performance, conducting periodic reviews, and identifying potential delinquencies or defaults. Preparing reports and documentation summarising credit risk findings, trends, and recommendations for management, regulators, and stakeholders. Staying updated on market trends, economic developments, and industry-specific factors that may impact credit risk. Interacting with data providers (especially credit bureaus), preparing samples for retro analysis, and assessing their solutions. We're looking for Over 2 years of experience in data analytics and insight generation. A strong SQL background with experience in querying large data lakes/data warehouses. Experience in data visualisation tools such as Looker, Tableau, Power BI etc. Strong understanding of how the lending/credit card/BNPL industry works. A champion of metrics and the measurement of impact, with the inquisitive acumen to explain the “why”, not just the “what”. A team player who enjoys a collaborative and fast paced agile environment. An analyst keen to contribute to existing initiatives, develop new strategies and confident to make recommendations. Someone with data experience within growth who can create analytical insights that can be incorporated into key decision making. Good stakeholder management experience with the ability to prioritise delivery. Can work independently as well as within a team. Ability to collect, analyse, organise, and disseminate significant amounts of information with attention to detail. Bonus Skills: A financial technology or B2C scale-up background. Additional coding language (Python/R) Benefits Compensation & Savings Pension scheme - 5% employee contribution and 3% employer contribution Death in Service scheme - 3x your annual basic salary to nominated beneficiaries Income Protection - up to 75% of annual basic salary to cover long term injury or illness Health & Wellbeing Private Medical Insurance including; GP consultations (video, telephone or face-to-face) Prescribed medication In-patient, day-patient and out-patient care Mental health support Optical, dental & audiological cover Physiotherapy Advanced cancer cover Menopause support Employee Assistance Programme including Unlimited mental health sessions 24/7 remote GP & physiotherapy 24/7 helpline for emotional & practical support Savings & discounts on everyday shopping 1:1 personalised wellbeing consultations Gym membership discounts Family Friendly Policies Enhanced maternity pay Enhanced paternity pay Enhanced adoption pay Zilch App Rewards 5% cashback in Zilch rewards on purchases through the app £200 Zilch rewards bonus for WFH set up Learning & Development Professional Qualifications Professional Memberships Learning Suite for e-courses Internal Training Programmes FCA & Regulatory training Workplace Perks Casual dress code Work related social events Free fruit, snacks, and refreshments in the office