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Senior Product Analyst - Credit Strategy
**Summarising</strong> (but not summarizing content) – we’re building the go-to financial app for the Global South.
A shift to a new country shouldn’t mean losing hard-won financial ground. Our 400+-person global team across 20+ countries is shaping an inclusive financial ecosystem. What began as quick, affordable remittances has evolved into a multi-currency payment platform with credit, savings, and wealth-building tools.
We process over $1B/month in transactions to 30+ countries, proving finance shouldn’t ignore borders.
The Role
You’ll be our credit strategy engine—a Product Analyst driving high-leverage insights to scale our lending products. Your focus: uncovering data-driven opportunities and threats to optimize every stage of the lending lifecycle, from risk assessment to repayment.
This is a high-impact contributor role embedded in the Data team within Credit, bridging Data Engineering, Risk, and Commercial teams to translate analytics into product action.
Key Responsibilities
1. Analytical & Product Leadership
- Lead deep-dive portfoliо investigations, moving beyond vanity metrics to pinpoint credit risk drivers and customer behavior using SQL.
- Design and implement AB tests on Statsig to refine credit products based on research (e.g., lending terms, UI tweaks, or onboarding flows).
- Own the 'Modern Data Stack':
- Build scalable, version-controlled dashboards in dbt that support underwriting, portfolio health, and risk control.
- Ensure our credit data models align with regulatory standards (FCA/CONC).
2. Strategic Financial Modeling
- Architect cohort models to track unit economics, identify trends in LTV (Lifetime Value) and delinquency rates.
- Deliver portfolio valuations and commercial forecasts, equipping leadership to make fast, data-backed decisions.
3. Risk & Growth Insights
- Move beyond reactive analysis to predictive risk modeling, surfacing emerging threats or untapped opportunities.
- Use machine learning logic (via Python’s Pandas, Numpy) to estimate PD (Probability of Default), LGD (Loss Given Default), or EAD (Exposure at Default).
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4. Stakeholder Influence
- Present high-impact findings to HEads of Credit, CFOs, or Product squads, bridging technical expertise with commercial urgency (“Here’s the data—here’s why it matters”).
- Collaborate with Decision Science and Product squads to embed data into automated underwriting rules and risk-scoring pipelines.
5. Regulatory Excellence
- Maintain audit-ready analytical frameworks to meet UK fintech standards (FCA/CONC) and internal controls.
Requirements & Traits
Mindset & Skills
You aren’t just an analyst—you’re a strategic storyteller. To thrive here, you’ll exemplify:
✅ Analytical Strategist You pull data, but you frame it for credit maximize value: reducing risk while unlocking growth for underserved customers.
✅ Technical Craftsman
- Clean SQL queries and dbt models are your tools—pledge: no “hacky” ask.
- Automate everything. Want it fixed? Optimize twice.
✅ Precision-Focused
- Credit decisions should be error-free. Our model’s third guess can’t cost someone their long-term access.
- Validate logic. Audit your own work.
✅ Multi-Domain Connector
- Speak natively between:
- Data Engineers (when there’s a latency problem in lookup tables).
- Risk Managers (when EAD thresholds shift).
- CFOs (when you reveal months 12–15).
✅ Fintech First
- Fast doesn’t mean reckless: build systems that last. No band-aids.
- You’ve worked at a growing UK fintech (or fintech-adjacent).
Essential Qualifications
- Senior-level SQL + Python prowess (Pandas, NumPy).
- Hands-on with Cloud Data Warehouses (Snowflake/BigQuery) + dbt for pipelines.
- Deep hands-on credit modeling experience (beyond generic “I understand interest rates”).
- Track record of high-value cohort analysis, valuations, or portfolio projections that shaped executive decisions.
- Confident in credit KPIs: PD, LGD, EAD, RI = Risk Infrastructure; and credit bureau language.
- Technical presentations > legacy spreadsheets. Aim: “Here’s the insight + why it saves us 10% in defaults.”
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Why Join Us?
1. Our Mission
Love shouldn’t cost the fed-up middle-class immigrant $150 for a transfer. Bottlenecks? We’re breaking them.
Here’s your chance to:
- Build products where one’s home lives in the app.
- Scale solutions with confidence—you’re keeping $1B+ in families’ pockets.
- Shift power: empowering the previously excluded from credit.
2. Our Work Culture
We worship three tribes (empathy, pragmatism, precision). Here:
🎯 Sharp Customer Focus: Prioritise ruthlessly. What proves impact? We’ll see.
📊 Lead with Data: No gut—instead, Statsig experiments, shiny data decks, and openness to embeddable controls.
🔒 Ownership: “It ought to be global.” You own it.
💪 Grit: Find the gap, correct course. Botched launch? Fix the next one first.
And because it’s a global org: Teams speak as many languages as users. How many ethnic groups in your team match the diaspora we serve? Add some.
Interview Process
- Talent Chat (30 mins): Bond with a Team Lead / Hiring Manager.
- Cultural Behaviours Interview (45 mins): Share how you’ve landed fast, high-impact work.
- Technical Assignment (60 min presentation): Pit your portfolio methodology against “real-world” risk-scenarios.
- Final Interview (30 mins): “Name a time you convinced a Product Director [X]—you won.”
Equal Opportunity
Profile doesn’t fit in “look at this(er) palfied Attention fine marks”?
Not a stumbling block. Candidates from underrepresented backgrounds drop out harder if something doesn’t fit. If this role drives you, if our challenges excite you—let’s talk.
(Apply anyway. It never hurts.)
📞 Make further connections: LinkedIn | Instagram. Download the app here → App Store || [Google Play].
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Jessica, London
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