Senior Credit Risk Analyst – Existing Customers

🛡️ Senior Credit Risk Analyst – Existing Customers 🌍 Hybrid 📍 London 📂 Analytics Do you enjoy using data to shape customer strategies, optimise portfolio performance, and influence key commercial decisions? Are you passionate about turning complex datasets into actionable insights that improve both customer outcomes and business results? If you thrive in a fast-paced environment, enjoy solving analytical challenges, and can confidently communicate recommendations to a wide range of stakeholders, we'd love to hear from you. Who we are 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. What You’ll Be Doing Own credit strategies for existing customer management – optimising credit limit increase/decrease strategies, balance transfers activities, supporting re-pricing activity. Shape our monitoring frameworks – design scalable, smart solutions for reviewing portfolio quality and strategy impacts. Provide analytical recommendations, support governance and implementation of strategy changes. Partner effectively with Commercial, Collections, Tech, Finance, and Reg teams to deliver investor returns as well as an exceptional customer experience in line with all regulatory frameworks. Communicate with impact – create clear stories, anticipate questions, and make data land. Spot opportunities – find new ways data can improve customer outcomes or business performance and liaise with external partnerships to carry out Proof of Concept exercises. Required Skills & Experience: A degree in a quantitative field like Economics, Mathematics, Statistics, Business or Computer Science 3+ years in data/analytics (lending, risk, or fintech a big plus). Experience using SQL or Python to extract and manipulate data The ability to prioritise 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. Desired: Credit card or consumer finance experience strongly preferred Experience developing or analysing lending, credit risk, pricing or existing customer strategies is advantageous. Comfort with working in a fast-moving environment – you stay positive, adaptable, and focused. You are execution focused and love rolling up your sleeves to get it done - you are hands-on, proactive and take solutions / process orientated approach to your work. You are self-motivating and can switch between working independently to collaborating as a team with ease. You care deeply about helping customers manage their money in a smarter way and want to make a tangible impact in the consumer finance industry. What's in it for you? The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever Competitive salary 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