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About the Role
We are looking for an experienced credit-risk professional to lead our New Business Originations strategy and a small team of analysts. This role combines strategic ownership with hands-on analytical delivery, translating complex business questions into clear recommendations and controlled strategy changes. The successful candidate will balance sustainable growth, profitability, credit performance, and good customer outcomes within Jaja’s risk appetite.
Responsibilities
- Optimize credit risk strategies for acquisition of new customers, balancing risk and reward to optimize profitability within business risk appetite.
- Lead strategy changes from initial analysis and recommendation through governance, implementation, validation, and post-implementation monitoring.
- Lead, coach, and develop a small team of analysts, setting priorities, assuring the quality of analytical delivery, and supporting their professional development.
- Use tools such as SQL and Python to manipulate and analyze data.
- Promote a test-and-learn approach, constantly challenging existing strategies and processes to find better outcomes.
- Provide the business with data-based insight and recommendations for improving decision strategies for new customers covering initial credit limits, policy rules, and promotional offers.
- Perform detailed analysis on origination vintage performance trends to ensure new lending remains sustainable.
- Collaborate with a wider variety of stakeholders, including Tech, DataOps, Commercial Finance, Customer Service, and Compliance to ensure smooth delivery of strategies in alignment for forecasts.
- Maintain effective governance and controls including clear documentation, approvals, implementation testing, monitoring, and escalation of unexpected outcomes or control weaknesses.
Requirements
- A degree in a quantitative field like Economics, Mathematics, Statistics, Business, or Computer Science.
- 5+ years of experience in an analytical role, ideally in unsecured credit risk / credit cards.
- Extensive experience using SQL to extract and manipulate data.
- The ability to prioritize workloads and manage time effectively.
- The ability to interact and work alongside key stakeholders at all levels across the business with attention to expectation management.
- Experience in clearly communicating complex analytical insights in a simple manner to diverse audiences, including both technical and non-technical stakeholders.
- Experience in managing analysts.
Skills
- SQL
- Python
Location
- London, UK
Work Type
- Hybrid
- Full Time
Experience Level
- Senior Manager
- 5+ years of experience
Education Level
- Degree in a quantitative field
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 (with an additional day 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 our confidential Employee assistance programme
About the Company
- Jaja is a UK‑based consumer finance business with a simple mission: to empower customers to buy, borrow and build using smart tech, strong data, and clear design.
- We launched our digital credit card in 2018 and we’re continuing to grow, with new products and experiences in the pipeline.
- Our goal is to strip out unnecessary complexity and give people more control over their money — or as we put it, Make Simple.
- Our values guide how we work: Care Deeply. Adapt & Thrive. Challenge Everything. Go For It. Own It. Make It Simple.
- We’re scaling quickly, and there’s a lot of exciting change happening across the business.
Equal Opportunity
- We're committed to creating an inclusive workplace where everyone feels valued, respected, and able to thrive.
- We welcome applications from all qualified candidates and encourage applications from LGBTQ+ individuals, people with disabilities, neurodivergent individuals, and those from ethnic minority and diverse religious backgrounds.
- We believe that different perspectives strengthen our team, drive innovation, and help us better serve our customers.
- If you require any adjustments or support during the recruitment process, please contact our Talent Partner.