Senior Credit Risk Analyst

Capital on Tap; City Of London; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A leading fintech company in City Of London is seeking a candidate to develop and enhance Credit scorecards and Risk models. This hybrid role involves collaborating with various teams to deliver insights into portfolio performance, contributing to lending decisions, and implementing policy changes. The ideal candidate is proficient in Python and SQL, with a sharp eye for detail, ready to thrive in a dynamic environment.

Benefits

Private Healthcare

Worldwide travel insurance

Anniversary Rewards

Salary Sacrifice Pension Scheme

Octopus EV Salary Sacrifice Scheme

28 days holiday plus bank holidays

Annual Learning and Wellbeing Budget

Enhanced Parental Leave

Cycle to Work Scheme

Season Ticket Loan

Free therapy sessions

Dog Friendly Offices

Free drinks and snacks

Qualifications

• Experience building and maintaining Credit models and scorecards.
• Ability to implement and refine Credit Policy changes.
• Skilled in statistical methods required for credit analysis.

Responsibilities

• Develop and enhance Credit scorecards and Risk models.
• Deliver insights into portfolio performance for optimization.
• Collaborate with stakeholders across various departments.

Skills

Expert in Python

Expert in SQL

Data-driven problem solving

Attention to detail

Team collaboration

Job description

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 Credit Strategy team work from our London office 3 days per week.

Credit Strategy at Capital on Tap

This team is responsible for our Credit Risk frameworks, using innovative monitoring, cutting-edge model development, and strategic insights to ensure we make the right lending decisions. The team is involved in all aspects of the credit lifecycle from designing policies and developing scorecards, to ongoing portfolio monitoring and performance optimisation. They work closely with the Decision Systems, Commercial and Underwriting areas of Capital on Tap - to name just a few!

What You’ll Be Doing

• Developing and enhancing our Credit scorecards, Risk models, and analytical frameworks that will empower our lending decisions.
• Helping us deliver robust monitoring and insights into portfolio performance, while identifying exciting opportunities for optimisation.
• Implementing and refining Credit Policy changes that align perfectly with our Risk appetite and business objectives.
• Collaborating with our amazing stakeholders across Data Science, Product, and Operations to create seamless end-to-end solutions.
• Supporting our team by sharing knowledge, reducing key-person risk, and promoting cross-functional skill development.
• Experience building and keeping Credit models and scorecards in good shape.
• Expert in Python and SQL and the necessary statistical methods.
• The person who catches the little details! You enjoy diving into complex problems and finding smart, data-driven solutions that actually work in the real world.
• You're all about hitting deadlines, taking ownership, moving fast when needed, and supporting a team culture where we give each other honest, helpful feedback.
• Results that don't just improve our product, but also help us scale successful ideas quickly, always keeping our growth financially healthy and sound.
• A proactive team player who loves to collaborate and help build a team that's versatile, resilient, and ready for anything!

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
• 🚘 Octopus EV Salary Sacrifice Scheme
• 🏖️ 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

Interview Process

• First stage: 30 minute intro and values call with Talent Partner (Video call)
• Second stage: 45 minute CV overview with Hiring Manager (Video call)
• Final stage: 60 minute technical assessment and final interview (In person)

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.)

UK DE&I Data

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.

In order to remain committed to our goal, we need to analyse and identify where we need to take steps to make positive impact. The first step in this process is gathering anonymous data on our candidates. We would encourage you to help us by filling in the form below.

All of the questions we ask are optional and will not affect your application. You don't have to share this with us and we won't consider it as part of your application. If you choose not to share this info, it won't impact your application in any way.