zilch - Senior Data Analyst
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Requirements
• 5+ years in data analytics, risk analytics, or quantitative roles • Experience in fintech, lending, or data-driven environments • Proven impact on business or risk decisions • Advanced SQL (complex joins, window functions, optimisation) • Experience with Snowflake + DBT (or similar) • BI tools (Looker preferred) • Python for analysis (pandas, numpy) • Strong understanding of data modelling principles • Analytical & Statistical Depth • Strong experimentation experience (A/B testing, quasi-experiments) • Understanding of causal inference and bias • Experience with cohorts, time series, and behavioural data • Ability to reason about trade - offs and optimisation problems • Professional Memberships. • Learning Suite for e-courses. • Internal Training Programmes. • FCA & Regulatory training.
Responsibilities
• Risk: decision ownership • Data Science: modelling and automation • Analytics Engineering: data foundations • Well-informed • Continuously improving • Own Risk Measurement & Metric Design • Define and evolve core risk metrics (approval rates, loss curves, cohort performance, roll • rates, recovery curves, fraud rates) • Build robust metric definitions and semantic layers • Design frameworks to track performance against risk appetite and unit economics • Establish monitoring for early warning signals and leading indicators • Deep-Dive Analytics & Causal Understanding • Lead complex analyses across credit, fraud, and collections • Perform root-cause analysis using behavioural and transactional data • Apply causal thinking to distinguish correlation vs impact • Break down performance across segments, cohorts, vintages, and decision paths • Experimentation & Impact Measurement • Design and evaluate A/B tests and quasi-experiments on risk strategies • Build frameworks to assess incrementality and trade - offs (risk vs growth vs CX) • Ensure decisions are testable and measurable • Translate results into clear go/no -go recommendations • Decisioning Insight & Strategy Support • Inform policy design, thresholds, and interventions • Analyse decision boundaries and trade - offs (approval vs loss, fraud vs friction) • Support champion/challenger frameworks • Provide analytical input into manual and rule -based decisions • Data Modelling & Analytics Engineering Collaboration • Build and improve scalable data models (DBT) • Ensure high -quality datasets in Snowflake • Contribute to feature and dataset design for modelling • Improve data reliability, lineage, and documentation • BI, Tooling & Self-Serve Analytics • Build high-performance dashboards (Looker) • Develop self-serve analytics for Risk and Operations • Automate monitoring and reporting workflows • Create scalable analytical products (not one - off analysis) • Collaboration with Data Science • Partner on model evaluation, validation, and monitoring • Analyse model performance, drift, and segmentation • Support back-testing and benchmarking • Translate model outputs into business impact
Benefits
• Pension scheme. • Death in Service scheme. • Income Protection. • Permanent employees enjoy access to our Share Options Scheme. • 5% back on in-app purchases. • £200 for WFH Setup. • Health & Wellbeing: • Private Medical Insurance including; • GP consultations (video, telephone or face-to-face). • Prescribed medication. • In-patient, day-patient and out-patient care. • Mental health support. • Optical, dental & audiological cover. • Physiotherapy. • Advanced cancer cover. • Menopause support. • Employee Assistance Programme including: • Unlimited mental health sessions. • 24/7 remote GP & physiotherapy. • 24/7 helpline for emotional & practical support. • Savings & discounts on everyday shopping. • 1:1 personalised well-being consultations. • Gym membership discounts. • Family Friendly Policies: • Enhanced maternity pay. • Enhanced paternity pay. • Enhanced adoption pay. • Enhanced shared parental leave. • Learning & Development: • Hybrid working: office-based Monday, Wednesday, and Thursday; remote working Tuesday and Friday • Casual dress code. • Workplace socials. • Healthy snacks.
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