Data Scientist - Risk Analysis

Capital on Tap; City Of London; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

A dynamic fintech company in London is seeking a Risk Analyst to join their risk analytics team. In this role, you will optimize fraud detection, apply advanced analytics, and collaborate with stakeholders to minimize credit losses. The ideal candidate will have strong analytical skills, experience in risk analysis, and proficiency in SQL and Python. This hybrid position encourages innovative solutions in a fast-paced environment.

Benefits

Private Healthcare

Worldwide travel insurance

Salary Sacrifice Pension Scheme

28 days holiday

Annual Learning and Wellbeing Budget

Enhanced Parental Leave

Free drinks and snacks

Qualifications

• At least three years of risk analysis experience ideally including credit cards, fraud, collections or fincrime.
• Exceptional detail orientated and problem-solving skills.
• Strong verbal communication skills including the ability to explain complex concepts.

Responsibilities

• Owning, monitoring and continually optimising fraud detection rules.
• Applying advanced analytics to maximise efficiency of Financial Crime detection processes.
• Working with external vendors to evaluate innovative products.

Skills

Risk analysis

SQL

Python

Analytical skills

Collaboration

Education

Degree in Economics or STEM

Job description

Overview

We’re Capital on Tap Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030.

Why Join Us? We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment.

This is a Hybrid role, the Risk team work from our London (Shoreditch) Offices 3 days per week.

What You’ll Be Doing

We’re looking for a Risk Analyst to join our risk analytics team. You will work across Fraud, Fincrime, Collections and Disputes using data and analytics to innovate and optimise our risk based decision making for the purpose of minimising credit losses and maximising regulatory compliance. Playing a central role in our risk analytics team, responsibilities of your role will include:

• Owning, monitoring and continually optimising our fraud detection rules
• Applying advanced analytics to maximise the efficiency and effectiveness of our Financial Crime detection processes
• Maximising the performance of our collections function through scoring and segmentation to optimise our approach at a customer level
• Working with external vendors to continually evaluate innovative or alternative products and tools
• Proactively championing best use of AI to accelerate delivery of analytical output and as an integral part of our business solutions

Your role will involve presentation to and active collaboration with a wide group of business stakeholders including Operations, Credit, Senior Management and external business partners.

We’re Looking For

• At least three years of risk analysis experience ideally including credit cards, fraud, collections or fincrime
• Highly analytical and comfortable conducting complex analysis using SQL and Python
• Exceptional detail orientated, problem solving skills and the ‘can do’ attitude to thrive in a fast paced, high growth environment
• Excellent collaboration skills and a natural team player
• Strong verbal communication skills including the ability to clearly explain complex concepts to other analysts, business stakeholders and senior leadership
• 2.1 or above at degree level, preferably in Economics or STEM subject

Diversity & Inclusion

We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks

We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:

• Private Healthcare including dental and opticians services through Vitality
• Worldwide travel insurance through Vitality
• Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
• Salary Sacrifice Pension Scheme up to 7% match
• 28 days holiday (plus bank holidays)
• Annual Learning and Wellbeing Budget
• Enhanced Parental Leave
• Cycle to Work Scheme
• Season Ticket Loan
• 6 free therapy sessions per year
• Dog Friendly Offices
• Free drinks and snacks in our offices

Check out more of our benefits, values and mission here.

Interview Process

• First stage: 30 minute intro and values call with Talent Partner (Video call)
• Second stage (in person):
  • 45min technical assessment
  • 60min case study
  • 45min competency based interview
• Final stage: 30 minute executive interview

Excited to work here? Apply!

If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)

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At Capital on Tap we are fully focused on equality and believe deeply in diversity of race, gender, sexual orientation, religion, ethnicity, ability, national origin and all the other characteristics that make us who we are. We want to be a place where a diverse mix of talented people want to come and do their best work and most importantly feel included and that they can be their authentic selves.

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