Back to jobs
New

Credit Risk & Pricing Strategy Analyst

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 an exceptional analyst who is eager to take true accountability of their work and evolve into an important strategic voice within the business.

Sitting within the heart of the Credit Risk team, you will be responsible for dissecting and understanding our loan economics to improve company profitability while continuing to deliver excellent outcomes for our customers. 

This is an influential role where you will help define our loan pricing and manage risk, whilst working closely with Data Science, Commercial and Finance teams. 

This position is suitable if you are looking for either a junior or mid level role. 

What you'll do

You will dive straight into the data to start optimising our lending strategies. 

Specifically:

  • Develop and improve models across our lending channels to improve Net Present Value (NPV). 
  • Gain a deep, granular understanding of our loan economics, identifying the levers that drive profitability and sustainability.
  • Design, implement, and monitor pricing tests across all products, analysing the results to optimise our commercial strategy.
  • Work on initiatives to enhance unit economics and iterate on our automated pricing models to ensure they remain effective and efficient.
  • Collaborate with Data Scientists to support lending scorecard development

About you

We are looking for a self-starter with a "can-do" attitude who thrives in a fast-paced, start-up environment. You should be passionate about using data to make tangible business differences.

What you’ll need to succeed:

  • You have at least 6 months of experience in a data, strategy or commercial environment. This could be within Credit Risk, Data Science, Commercial Strategy, Pricing, or Marketing Analytics for example.
  • You are comfortable writing complex queries to extract, manipulate, and analyse large datasets in SQL.
  • You have intermediate skills in Python for data analysis, statistical modeling, or automation.
  • You have a desire to build and improve tools and models rather than just maintaining existing processes.
  • You are able to see the bigger picture and understand how data and credit decisions impact the P&L.

Nice to have: 

  • Previous experience within Financial Services or a Fintech environment. 
  • Specific exposure to unsecured lending, pricing, or risk modeling.

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 additional day off for every year of service up to 30 days and 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 (post covid, although we've got quite good at virtual ones too!)
  • 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
  • Video interview with Hiring Manager - 30 mins 
  • Final stage - An in-person session involving a practical Case Study and meetings with the Hiring Manager, Head of Department, and the wider team to assess cultural fit and problem-solving abilities - 2 hours 

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.

Create a Job Alert

Interested in building your career at Salary Finance ? Get future opportunities sent straight to your email.

Apply for this job

*

indicates a required field

Resume/CV

Accepted file types: pdf, doc, docx, txt, rtf

Cover Letter

Accepted file types: pdf, doc, docx, txt, rtf

Select...
Select...

Gender 

Select...
Select...

When you apply to a job on this site, the personal data contained in your application will be collected by Salary Finance.  Salary Finance is a “data controller”. This means that we are responsible for deciding how we hold and use personal information about you.

We are committed to protecting the privacy and security of your personal information as well as being clear and transparent about how we collect and use that data and meeting our data protection obligations.

Your personal data will be processed for the purposes of managing our recruitment related activities, which includes setting up and conducting interviews and tests for applicants, evaluating and assessing the results thereto, and as is otherwise needed in the recruitment and hiring processes.  This includes sharing your data with employees who are directly involved in the hiring process, a future superior or a future colleague. Such processing is legally permissible under Article 6(1)(f) of Regulation (EU) 2016/679 (General Data Protection Regulation) as necessary for the purposes of the legitimate interests pursued by Salary Finance, which are the solicitation, evaluation, and selection of applicants for employment.

We use Greenhouse, an online application provided to us by Greenhouse Software, Inc. to help us manage our recruitment and hiring process on our behalf.  Therefore your personal data will be shared with Greenhouse Software, Inc., which is a cloud services provider located in the United States of America. Accordingly, if you are located outside of the United States, your personal data will be transferred to the United States once you submit it through this site. As the European Union Commission has determined that United States data privacy laws do not ensure an adequate level of protection for personal data collected from EU data subjects, the transfer will be subject to appropriate additional safeguards under the EU-US Data Privacy Framework (DPF), of which Greenhouse Software Inc. is an active participant, including the UK Extension to the EU-U.S. Data Privacy Framework. Your personal data will be retained by Salary Finance as long as it determines it is necessary to evaluate your application for employment and / or as long as you are interested in positions within the organisation.  Under the GDPR, you have the right to request access to your personal data, to request that your personal data be rectified or erased, and to request that processing of your personal data be restricted. You also have to right to data portability.  Salary Finance is located at Scale Space, 58 Wood Lane, London, W12 7RZ and https://www.salaryfinance.com.   In addition, you may lodge a complaint with an EU supervisory authority.

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.

As set forth in Salary Finance ’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.

Select...
Select...
Race & Ethnicity Definitions

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

Select...

Voluntary Self-Identification of Disability

Form CC-305
Page 1 of 1
OMB Control Number 1250-0005
Expires 04/30/2026

Why are you being asked to complete this form?

We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years.

Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

How do you know if you have a disability?

A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to:

  • Alcohol or other substance use disorder (not currently using drugs illegally)
  • Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS
  • Blind or low vision
  • Cancer (past or present)
  • Cardiovascular or heart disease
  • Celiac disease
  • Cerebral palsy
  • Deaf or serious difficulty hearing
  • Diabetes
  • Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders
  • Epilepsy or other seizure disorder
  • Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome
  • Intellectual or developmental disability
  • Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD
  • Missing limbs or partially missing limbs
  • Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports
  • Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS)
  • Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities
  • Partial or complete paralysis (any cause)
  • Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema
  • Short stature (dwarfism)
  • Traumatic brain injury
Select...

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.