Credit Strategy Analyst
Uncapped, Portugal
Job Description
Role Overview
We are looking for a highly analytical Credit Strategy Analyst to join our growing risk team to develop credit risk strategies, and drive balance customer growth with credit risk while optimising profitability. The role will involve using data and analytics to solve a variety of different business problems relating to credit risk and pricing and provide insights into the performance of the portfolio, monitor trends etc.
This role will report into the Credit Risk Manager and will work closely with cross-functional teams including sales, data science, product, tech and operations to develop and drive credit strategy and identify new opportunities through the application of cutting edge analytical techniques.
About Uncapped
Founded in 2019, Uncapped is the fastest, most affordable way for growing online businesses to fund marketing and inventory. The company was born out of frustration with the limited financing options available for the UK and European entrepreneurs to finance growth.
Uncapped provides business advances of between 10K and 10M without credit checks, personal guarantees, warrants, equity, or compounding interest -- and makes money by charging a low flat fee that is paid back from future sales revenue.
Uncapped has raised $120 million from investors including Lakestar, Mouro Capital, Global Founders Capital, White Star Capital, Seedcamp, and All Iron Ventures.
What you will do
- Develop, maintain and monitor credit strategies across the customer lifecycle
- Run ad-hoc analysis to deep dive into portfolio trends and draw actionable insights
- Work closely with data-engineers and product teams to automate credit decisioning
- Work closely with the commercial teams to ensure credit risk requirements are incorporated into product development
- Model customer profitability to optimise pricing strategies
- Track business performance to identify emerging risks and incorporate learnings to improve credit strategies
Requirements
Who you are
- 2-3 years experience in building credit strategy for volume credit products such as Credit Cards, Consumer Loans and SME lending
- Advanced knowledge of SQL and strong familiarity with Python; you will have to be highly hands-on and code on a daily basis
- Educated to a degree level or above in Statistics / Mathematics / Econometrics
- Exceptionally strong analytical skills and an ability to think from first principles
- Experience in a fast-paced environment and ability to work across multiple projects
- Confident communicator, with the ability to convey the results of complex analyses in a straightforward manner
Benefits
What we offer
At Uncapped, our people make us successful. We are a startup with big goals and we work hard, so we want to give everyone the benefits they really want. We’re continually adding to this list as new people join -- here are some of the things you can expect:
- A competitive compensation plan
- Flexible working: Remote-first processes for ultimate flexibility
- Unlimited time off to relax and see the world
- A personal growth fund that helps you to become your best
- Weekly recognition and awards that celebrate all the wins, both big and small
- A workspace just for you, with 400 to optimise your home office
- An enhanced family leave package