Credit Strategy Manager

Zopa Bank Limited; London; Hybrid; GBP 60,000 - 85,000; Full time

Job summary

Zopa Bank is seeking a Credit Strategy Manager to lead the analytics team focused on improving lending strategies. This hybrid role involves optimizing strategies across customer lifecycles and requires strong SQL and Python skills. The successful candidate will collaborate with various teams to enhance growth opportunities and support data-driven decision-making.

Qualifications

• Experienced in Commercial and Credit Risk analytics or modeling in consumer lending.
• Proven ability to manage stakeholders and influence strategies.
• Experience leading and developing teams of analysts.

Responsibilities

• Optimizing underwriting and pricing strategies for new and existing customers.
• Managing pricing and commercial strategies, providing recommendations.
• Building data infrastructure to track portfolio performance.

Skills

SQL

Python

Analytical Thinking

Interpersonal Skills

Job description

Our Story

Hello there. We’re Zopa.

We started our journey in 2005, building the first peer-to-peer lending company. In 2020, we launched Zopa Bank, a bank that listens to what our customers dislike about finance and does the opposite. We’re redefining the experience of working in finance, putting people at the center. Our vision for a new era of banking empowers everyone to aim high and move finance forward. Learn more at Zopa.com.

We’re proud of our achievements, including being named one of the UK’s Most Loved Workplaces.

If you enjoy unconventional challenges, think differently, and want to make a significant impact, you’ll thrive at Zopa. Follow us on Instagram @zopalife.

We are hiring a Credit Strategy Manager to lead our credit strategy and analytics team.

You will manage a high-performing team focused on improving our lending strategies through sophisticated analytics and testing, combining modeling with credit and commercial judgment.

As a Credit Strategy Manager, you will develop and optimize strategies across the customer lifecycle, including building valuation models and setting pricing and underwriting policies.

You will oversee products in our lending portfolio, such as Unsecured Personal Loans, Car Finance, Credit Cards, and Point of Sale Finance, leveraging large datasets and growth opportunities.

Collaboration is essential at Zopa. You will work closely with data science, product, and engineering teams to develop growth strategies, influence decisions, and identify new opportunities using advanced analytical techniques.

A day in the life...

• Optimizing underwriting and pricing strategies for new and existing customers.
• Managing pricing and commercial strategies, providing recommendations to product leads.
• Developing and refining NPV models and assumptions.
• Supporting the development of scorecards for decision-making and analyzing risks and benefits.
• Grounding P&L risk and revenue assumptions to guide lending and marketing strategies.
• Building data infrastructure and monitoring frameworks to track portfolio performance, sharing insights with senior management.
• Leading and mentoring your team, supporting their development.

About you...

• Experienced in Commercial and Credit Risk analytics or modeling in consumer lending.
• Strong SQL skills and/or Python capability.
• Curious and passionate about deriving insights from data.
• Excellent interpersonal skills and ability to work cross-functionally.
• Proven ability to manage stakeholders and influence credit and commercial strategies.
• Analytical with attention to detail, able to work under pressure and manage time effectively.
• Skilled in breaking down complex problems into simple hypotheses.
• Experience in leading and developing teams of analysts.

#LI-OH1

We're on the move!

By late 2025, Zopa will relocate to 20 Water Street, Canary Wharf, fostering collaboration and creativity for our 900 employees during our growth phase.

Flexible working

We value face-to-face collaboration and work-life balance. This hybrid role requires 2-3 days in our London office per week, with options to work abroad up to 120 days a year, subject to right-to-work requirements.

Diversity Statement

Zopa is committed to a workplace free from discrimination. Our diverse team of nearly 50 nationalities and our DE&I initiatives reflect our inclusive culture. We welcome all applicants and are happy to provide reasonable adjustments during the hiring process.