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About the Role

We are looking for a curious, data-driven analyst to join our Collections & Recoveries team. This role will help design, test, and monitor strategies for supporting credit card customers in financial difficulty, from early delinquency through to charge-off and post-charge-off recoveries. It involves hands-on work with SQL and Python for analysis, building pipelines, running tests, and translating data into actionable insights.

Responsibilities

Support the design and ongoing optimisation of collections strategies across all delinquency stages.
Analyse segmentation, treatment paths, and forbearance options to identify improvement opportunities and translate them into clear strategy recommendations.
Help build and run a structured champion/challenger and A/B test programme across contact strategies, digital journeys, repayment options, and strategy rules.
Define success metrics, size tests correctly, and produce statistically robust evaluation packs.
Build and maintain repeatable analysis pipelines, define consistent metric definitions, and produce regular MI and performance packs.
Conduct regular portfolio monitoring and analytical deep dives.
Present findings clearly, with prioritised recommendations for the Collections Strategy Manager.
Support the end-to-end delivery of strategy changes, including documentation, UAT assistance, and go-live monitoring.
Work with Operations, Credit Risk, Product, and Data teams day-to-day.

Requirements

Knowledge of data extraction, transformation, and analysis.
Comfortable with joins, window functions, cohorting, and building repeatable pipelines.
Experience in consumer finance collections and recoveries, ideally including credit card.
Familiarity with the delinquency lifecycle and key regulatory requirements including fair customer outcomes and vulnerability.
Able to work with large, complex datasets and translate findings into clear insight.
Understands statistical testing principles and can design and evaluate champion/challenger experiments soundly.
Can present complex analysis clearly and concisely to a range of audiences.
Writes well, structures arguments logically, and is comfortable producing performance packs and strategy documentation.
Comfortable working at pace in an agile, fast-changing environment.
Can manage multiple workstreams simultaneously without losing attention to detail.
Takes tasks through to completion.
Pragmatic team player who enjoys working cross-functionally.
Can build good working relationships with Operations, Risk, Product, and tech colleagues.
Asks good questions.
Experience working in a fintech or digitally-led lender with in-house decisioning and fast release cycles (nice to have).
Exposure to experimentation frameworks or formal A/B testing (nice to have).

Skills

SQL
Python
Data extraction
Data transformation
Data analysis
Joins
Window functions
Cohorting
Building repeatable pipelines
Statistical testing
Champion/challenger experiments
A/B testing
Communication
Presentation
Documentation
Agile methodologies
Cross-functional collaboration

Location

UK based

Work Type

Full-time

Experience Level

Mid-level

Salary/Compensations

Competitive salary

Benefits

Pension contributions, including Salary Exchange facility
Annual bonus potential
Private medical cover provided by Vitality (optional benefit)
25 days annual leave (FTE) plus UK bank holidays
Additional day of leave added for each full calendar year worked, up to a maximum of 30 days
Your birthday off each year as an additional day's holiday
4x life insurance cover
Access to confidential Employee assistance programme

About the Company

Jaja is an innovative UK based consumer finance business, leading initially with a digital credit card launched in 2018, and a pipeline of consumer finance solutions in the making.
Our mission is to redefine the consumer finance experience and liberate customers from needless complexity, wasted time and frustration.
We aim to delight our customers by making the customer experience simpler, more enjoyable, and more intelligent, treating customers fairly and giving them more control of their money.
Our Company Values: Care Deeply, Adapt & Thrive, Challenge everything, Go for it! Own it, Make it Simple.