Senior Credit Risk Analyst - Fintech - Remote UK
Tymit, United Kingdom
Job Description
About Tymit
At Tymit our mission is to give people the self-confidence to live life to the fullest by offering them credit that's smart, flexible and honest.
That's why we launched the world's first instalment credit card and why we're now partnering with only the most iconic brands to bring the next generation of instalment experiences to their customers.
We believe that everyone deserves financial peace of mind, that credit should only work for you, and that tech will continue to transform the way to shop, pay and manage our spending.
Our talented and growing team is based in the UK, Spain and Greece, and we're all committed to creating a diverse, fun work environment, with collaboration and the customer at the core of everything we do.
Following our 23m Series A round, closed in October 2022 and led by Frasers Group, we're focused on our next phase of growth - and creating the future of instalment experiences.
Want to check our app from the guts? See the Tymit app in action here
Compensation amp; Perks
The salary range of this role is 40,000 - 55,000 per annum, depending on experience.
25 days of paid holiday plus bank holidays.
Your birthday off.
Tymit is working fully remote, and all employees can remain working from home if they want, travelling to our offices when agreed with the team.
If your preference is working from our office and working onsite with other Tymiteers, we have you covered with our offices in Madrid and London.
Flexible working hours.
Additional days to attend conferences and workshops related to technology and/or events related to Tymit’s industry and sector.
Budget for remote home expenses and home office set up.
Learning amp; Development is a big asset for us, and we count with a yearly budget.
Private health insurance.
Referral program.
About the role
We are looking for a Senior Credit Risk Analyst who will help Tymit enable safer use of our credit card and protect our network from fraud. You will use your industry expertise and analytical abilities to improve our detection and mitigation mechanisms in this role. You will drive Tymit’s risk decisions by leveraging data and analytics tools. You will build risk models, processes and frameworks that will help us better understand and manage the current and future portfolio of Tymit.
If you are looking to join a fast-paced, energetic and passionate team with room for professional growth - Tymit may be an excellent fit for you!
During your time at Tymit you will
- Supporting the development, implementation and maintenance of credit and fraud risk models, MI (management information) platforms, and quantitative risk approaches for use throughout Tymit’s Card Portfolio.
- Liaising with relevant internal departments for extraction of requisite data for scorecard/model development and MI production.
- Identifying opportunities to create and optimise credit strategies, policies and processes and building new recommendations
- Driving the design and delivery of tactical and strategic initiatives for risk mitigation across the portfolio and supporting key business objectives
- Conceptualising stress tests to evaluate portfolio risks.
- Contributing to the production of advanced and insightful analytics and automating/streamlining BAU reporting processes.
- Working collaboratively with technical and non-technical stakeholders to deliver insights, thus supporting broader business operations.
- Maintaining focus on improving our customer experience.
- Supporting business areas including Operations, Customer Experience and Product teams to improve current processes and systems.
- Continually explore and iterate tools and methodologies to improve our operational risk processes and efficiency.
What you will bring along
- Previous experience in banking, financial services or risk consultancy within credit risk.
- Good understanding of retail portfolios, particularly the credit card industry.
- Genuine interest in credit risk, fraud and compliance, with an understanding of the current regulatory environment.
- Intermediate/advanced user of programming languages such as SAS, SQL, R, Python, etc. and have the ability and willingness to learn more advanced programming and data management techniques.
- Intermediate/advanced user of Microsoft Office programs, particularly Excel and PowerPoint
- You have worked with data visualisation tools to create meaningful dashboards.
- You enjoy a challenge and can communicate effectively at all levels, building cross-functional relationships with teams outside of the function.
What you can expect from our hiring process<