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Credit Risk Analyst (Collections Strategy)

London

About Salary Finance

Working with employers, we provide a financial wellbeing platform as an employee benefit, helping employees to understand their money better, get out of debt faster and save for their future. We already have a reach of over 4,000,000 employees through our relationships with over 600 of the biggest companies in the UK. 

By improving employee financial wellbeing, we have a very real and meaningful impact on people’s lives. We remove the stress and worry associated with financial difficulties by dramatically reducing the interest rates employees pay on their personal debt, and provide them with the tools needed to start saving sooner and be more financially secure. We are backed by some of the biggest brands, including investments from Blenheim Chalcot (the UK’s leading venture builder), Legal and General (the FTSE 100 insurer and asset manager), Experian and Goldman Sachs, and funding partnerships with JP Morgan and Virgin Money. 

Launched in 2015, we have made excellent progress, and are scaling fast. We are named BITC’s Responsible Business of Year 2018, included in KPMG’s Global Fintech 100, listed top of the Forbes' list of socially-responsible startups, and profiled by the Financial Times, the Times, the Wall Street Journal, the Guardian, the Telegraph, CityAM and the Institute of Directors. 

Your role in our mission

We are looking for a Credit Risk Analyst to join us and help to support our customers that are struggling with their repayments.

What you’ll do

  • Take ownership of our management of customers who are struggling with their payments
  • Conduct deep dive investigations into data in order to surface insight for decision making
  • Develop our reporting suite through the latest BI tools & technology stack
  • Develop and refine strategies to optimise our collections processes and support customers in arrears
  • Develop or contribute to machine learning models and policies that drive sophisticated decisions
  • Proactively identify new areas of opportunity within collections and arrears management
  • Challenge the status quo in terms of KPIs, objectives, and strategy
  • Communicate complex data concepts effectively and confidently, translating data analyses and numbers into actionable insights tailored for different audiences

About you:

  • Approximately 1-3 years of data analytics experience 
  • Excellent SQL skills
  • A drive to solve problems using data
  • Experience in guiding business decisions through analytical insights
  • Excellent verbal and written communication skills
  • Curious and eager to learn, and comfortable working independently on solving open-ended problems
  • Organised and methodical with the ability to multi-task and take initiative

‘Nice to haves’:

If you have some of the following and a thirst to grow where you have gaps, this role might be for you

  • Experience in any of the following
    • Collections strategy at any stage of the collections lifecycle
    • Credit decisioning or building collections models
    • Financial Services or FinTech, ideally consumer credit
  • Experience with Python or other coding languages like R
  • Experience working in a fast-paced and tech driven startup environment.
  • General understanding of the regulatory environment for consumer credit (don’t worry if not - we provide full training!)

Who you are

We embrace our differences, but there’s one thing we like to share, which is our values, so it’s important to us that you are:

  • Fearless, and able to make the impossible possible.
  • Responsible, and want to help build a business that delivers a meaningful difference to society.
  • Dedicated and want to commit to an exciting journey even through the highs and lows.
  • Empathetic and truly care about every colleague and customer.
  • United, because you understand we achieve more when we work as a team.
  • Humble, and take feedback as a way to continuously improve.

What do you get for all your hard work?

  • Company bonus scheme 💰
  • 25 days holiday with an extra day off on your birthday 🎂
  • Hybrid working arrangements so you can work from the office and from home with a budget to help you get set up 🏠
  • Generous company benefits to include pension and life assurance and an annual allowance to spend on medical insurance, health cash plan, denplan, gym memberships 🤸
  • Enhanced policies that are family and pet friendly, to include company sick pay and peternity leave 🐶
  • Great career development in a fast paced environment 🚀
  • Regular company socials
  • Volunteer days as part of our CSR program 🤝
  • More great perks to include weekly snacks, tuckshop, cycle to work, help to save and much more! 🍭

The typical interview process

  • Phone call with our Talent Manager - 20 mins
  • Phone call with Hiring Manager - 15 mins 
  • In person interview with Hiring Manager, Head of Department, Stakeholder, and / or Team including a business case study -  90 mins

We’re looking for people that will get stuck in and make a difference. We have a great collaborative, entrepreneurial team and are passionate about what we do. If you want to join a team that is changing people’s lives for the better then we’d love to hear from you.

Learn more at salaryfinance.com

Salary Finance is proud to be an equal opportunities employer. We celebrate diversity and are committed to creating an inclusive work environment where all employees and applicants can flourish.

If there’s anything we can do to accommodate your specific situation, please let us know.

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