Commercial Analyst

Commercial Analyst

• Location: Sydney
• Hybrid: 2 days a week in office
• Salary: $100K - $112K

Who We Are:

ClearScore is a global company originating in the UK (global head office) and Australia’s #1 free credit score and report app with over 1.6m users. We are also present in New Zealand, South Africa and Canada, with more than 20 million users globally and growing fast. We've changed the credit scoring and credit report market in the countries we operate and our mission is to transform how Aussies and Kiwis manage their personal finances and financial well-being.

First a foremost we are a data company. We offer free credit reports to consumers and help them make better financial decisions, improve their access to credit and better deals. We are user-centric at our core and we believe in leveraging technology and data to enable positive financial choices. We are design-led and data driven and we embed these behaviours in everything we do.

The ClearScore Commercial Team plays a unique role in shaping user experiences. We are creating industry-leading relationships and integrations with financial institutions; our technology and our developers enable the creation of the next generation of consumer-facing financial technology. Responsible for partner relationships and commercial strategy, this team are on the front lines of innovation and play a key role in determining how to deploy ClearScore resources across our talented Product, Tech and Analytics teams to make the ClearScore marketplace the best place to shop for credit products.

Our company culture is a fundamental part of all we have achieved. We believe in hiring smart, driven, passionate and diverse people who are keen on having a real impact on our customers and our business. We trust you to manage your own time so we offer flexible work and no fixed desk hours. We don't micromanage and we believe in measuring outcomes rather than effort. We have an inclusive culture where all, regardless of seniority, are encouraged to contribute with their ideas, look after their wellbeing and actively seek opportunities for career growth.

The Role:

As a Commercial Analyst, you will play a key role in building deep relationships with some of the most exciting finance providers in Australia and NZ, as well as building a deep, data-driven understanding of the drivers of value in the marketplace. You will typically work with all levels from CEO down in credit risk, product, marketing and agency contacts at financial organisations from big banks to up and coming fintech players and non-traditional lenders. You will support the Commercial team on the core business and drive expansion into new verticals and new partnerships in Australia and NZ.

You will represent the voice of our partners to the broader business, working closely with the product team and 30+ partners on continual optimisation of the product and the conversion funnel. You will manage commercial relationships with existing partners, as well as source, build your pipeline and negotiate deals with new partners. You will also dive deep into our platform's rich data to derive key business and new initiative insights, produce reports and spot trends.

Responsibilities include:

• Day to day contact for key lending partners across Australia and New Zealand, covering marketplace performance, revenue reporting and ongoing initiatives.
• Support the Commercial team to track weekly and monthly performance against key business metrics. Monitor revenue performance against these metrics and provide revenue forecasting.
• Coordinate with the Marketing and CRM team on the ideation, creation, partner sign-off and performance optimisation of commercial campaigns and activity.
• Deepen relationships with our lending partners with the goal of understanding their ambitions and challenges. Work collaboratively to optimise the availability and accessibility of their products for ClearScore users.
• Work with the Product team to optimise the marketplace experience for ClearScore users
• Support the wider Commercial Team on Tech resource prioritization by forecasting the value of new initiatives for ClearScore users, partners, and revenue.
• Support the wider Commercial Team in preparing reports for partner quarterly business reviews (QBRs).
• Work with the Analytics team on complex data-related questions where you are unable to self-serve.

Requirements:

• Strong analytical skills with the ability to interpret data, identify trends, and make data-driven decisions to inform business strategy.
• An understanding of credit/lending landscape, market dynamics, business operations, and the ability to translate insights into actionable strategies that drive profitability and growth.
• Passion and enthusiasm for the problems we are solving, and an ability to use creativity and initiative in pursuit of these goals.
• Ambitious, a high-performance track record, comfortable with ambiguity and ready to take on a lot of responsibility quickly.
• A growth mindset with a passion for learning.
• Experience working within the Financial Services/credit landscape and an understanding of how credit decisions are made is an advantage.
• Knowledge of the risk decisioning process for credit providers, especially in Credit Cards is an advantage.
• Previous work experience in any of the following would be beneficial, but not a requirement:
  • A commercially focused and client-facing environment e.g. business development / account management
  • Relevant work in a consumer finance or B2B tech company

Benefits:

• Holidays – 20 paid holidays (plus public holidays) and a “duvet day” on your birthday
• Hybrid Work Environment: flexible work-life balance allowing you to thrive both in the office and from the comfort of your own space.
• Pension Fund contribution over and above salary (11% employer contribution)
• Health Insurance - including physical and mental health cover
• Eye Tests
• Perkbox
• Annual learning budget
• Flexible, generous, and personalised maternity and paternity plans
• Employee Assistance Program
• Monthly team events and office days out that we get to choose, and company events at the end of each quarter and retro
• Culture and inclusion representatives
• Transparent pay structure and a career growth plan
• No clock-watching culture
• Regular Lunch and Learns with guest speakers

Equal Opportunities:

ClearScore is committed to providing equal employment opportunities to all qualified individuals. As an equal opportunity employer, we are able to make reasonable adjustments to accommodate individuals with disabilities during the recruitment and selection process. If you require accommodation, please inform us in advance, and we will work with you to meet your needs.

Our Hybrid Model:

We embrace a dynamic hybrid work environment that balances flexibility with collaborative in-person experiences. Our approach is designed to foster innovation, team connection, and individual productivity.

• Levels 1-5: Minimum 2 days per week in-office
• Level 6 and above: Minimum 3 days per week in-office

We believe this structure offers the best of both worlds - the flexibility of remote work and the synergy of face-to-face collaboration. Our office days are carefully coordinated to maximise team interactions and learning/ mentorship opportunities.

What This Means for You:

• Flexibility to manage your work and life
• Dedicated in-office days for team building and collaborative projects
• Office facilities (with plants!) designed for productive interactions
• Clear expectations and support for maintaining our hybrid schedule

We’re committed to creating an inclusive environment that accommodates diverse needs while maintaining our collaborative culture. Join us in shaping the future of work!

Note: While we offer flexibility, commitment to our hybrid schedule is an important aspect of our team culture and performance expectations.

Inclusion Policy

We are always looking for talented individuals to join ClearScore. We are an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for our people. Please see our People Policy Notice at https://www.clearscore.com/people-notice.