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Our Story
Hello there. We’re Zopa.
We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com!
We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.
If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife
We're excited to be hiring a brand new Credit Strategy Manager role here at Zopa to lead one of our credit strategy and analytics team!
You will join and manage a high performing team that are engaged with driving step-change improvements in performance of our lending strategies. You will do this by utilising existing sophisticated analytical and testing infrastructure to make recommendations for changes to credit strategies by combining analytical modelling with credit and commercial judgment.
At Zopa, Credit Strategy Managers are responsible for the development and optimisation of credit strategies spanning the entire customer lifecycle. Your role will vary from building valuation models, to setting pricing and underwriting strategies.
You will be leading on a product within our growing lending portfolios; Unsecured Personal Loans, Car Finance, Credit Cards and Point of Sale Finance. You'd be joining Zopa at a great time where you will be able to pair rich datasets from a large portfolio of prior lending with an exciting growth trajectory.
Collaboration is key at Zopa which means you'll work closely with our cross-functional teams including data science, product, and engineers to develop and drive growth strategies, influence strategic decisions and identify new opportunities through the application of leading-edge analytical techniques.
A day in the life...
- Optimising underwriting strategies and pricing strategies for new or existing customers.
- Managing pricing and commercials and making strategic recommendations to the product leads.
- Developing new and refining existing NPV models and model assumptions.
- Supporting development of new scorecards to make decisions, as well as using new scorecards to develop underwriting strategies, performing analysis on swap sets and understanding the risks and benefits.
- Grounding P&L risk and revenue assumptions to inform lending decisions and marketing strategy in acquisition or customer management.
- Building and running data infrastructure and monitoring frameworks to identify key trends in the performance of lending portfolios. Ensuring these are well understood, shared with senior management and considered actions to take if necessary.
- Leading and developing your team, through guidance, coaching and mentorship. Identifying areas for improvement and supporting on managing their development plan.
About you...
- Strong experience in Commercial and Credit Risk analytics or modelling in a consumer lending environment.
- Good technical skills, strong SQL knowledge and/or Python capability.
- You have an inquisitive mind, are intrinsically curious and are passionate about deriving insights from data.
- You have strong interpersonal skills and know how to work well within cross-functional teams.
- You effectively manage key stakeholder in setting the credit/commercial agenda for lending products gaining buy in from senior stakeholders.
- You're super analytical, have excellent attention to detail, work well under pressure and have strong time management skills.
- You break complex unstructured problems into simple efficient hypotheses, focusing on core areas and levers through robust structured thinking.
- You know how to lead a team, and enjoy developing and nurturing talented junior analysts.
#LI-OH1
We're on the move!
Towards the end of 2025 Zopa will be relocating to a brand-new headquarters at 20 Water Street in Canary Wharf. The 44,000 square foot workspace will foster collaboration and inspire creativity for our 900 employees amidst our 2025 growth blitz.
At Zopa we value flexible ways of working.
We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.
You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one.
*Subject to having the right to work in the country of choice
Diversity Statement
Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.
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