Senior Credit & Commercial Analyst

ABOUT THE COMPANY

We believe everyone should feel confident in the financial decisions they make. Our mission is to empower people with the clarity, intelligence and technology they need to take control of their financial lives. We’re growing quickly, and we’re building products that make complex financial choices easier, fairer and more transparent.

You’ll be joining a team that blends bold ambition with a deep sense of responsibility. We design our products to give customers more control and better outcomes—minimising the stress of money and maximising the possibilities it can unlock.

ABOUT THE ROLE

We’re looking for an analytically minded Senior Credit & Commercial Analyst to shape and optimise our lending commercial strategy. You’ll play a key role in how we structure pricing, manage risk, and improve our end-to-end conversion funnel.

This role is perfect for someone who enjoys digging into data, uncovering insights, and translating them into clear commercial action—balancing a strong portfolio return with a great customer experience.

You’ll have autonomy, influence and the opportunity to drive meaningful change. We keep bureaucracy low and collaboration high, so your ideas will be heard and your work will have visible impact.

TEAM OBJECTIVES

Our lending team is focused on building a high-performing, sustainable portfolio while maintaining a commitment to responsible lending and customer fairness.

WHAT YOU’LL DO

Core Responsibilities

• Develop and continuously optimise our pricing strategy—deciding how much to lend and at what rate.
• Improve our conversion funnel by combining quantitative analytics with customer and partner feedback.
• Support the creation of lending products that customers and partners genuinely value.

How You’ll Drive Our Commercial Goals

• Define our multi-channel commercial and pricing strategy, ensuring strong growth and attractive returns.
• Use tools such as Python and SQL to surface insights, identify opportunities and guide strategic decision-making.
• Explore innovative commercial approaches and emerging strategies to keep us ahead of the market.
• Closely track competitor movements and performance trends across all acquisition channels, responding quickly to change.
• Collaborate with product, engineering, data and external partners to strengthen funnel performance.
• Monitor the outcomes of implemented strategies, continuously iterating for improvement.

ABOUT YOU

What You’ll Need to Succeed

• Daily coding experience, ideally with strong proficiency in Python and SQL.
• Experience in credit risk, pricing or commercial strategy roles—preferably in consumer lending.
• The ability to translate complex analytical findings into clear, confident decisions.
• A results-driven mindset that balances commercial value with fair customer outcomes.
• A collaborative approach, with the willingness to challenge assumptions (including your own).
• Experience in growth or marketing analytics is a bonus, not a requirement.