Credit & Commercial Senior Analyst

Requirements

• This role is suitable for someone who loves using strong analytics to optimise our business, improve funnel performance while still delivering a good portfolio return
• Daily coding experience, with proficiency in Python and SQL ideally
• Proven experience in credit risk or commercial strategy roles, ideally within consumer lending
• A strategic mindset and the ability to translate complex data into clear, actionable decisions
• A focus on delivering results that align with both commercial and customer needs
• A collaborative, open approach and a willingness to challenge your own assumptions
• Experience working in marketing / growth roles is a plus, but not required!

What the job involves

• So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days
• We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes
• Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
• Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo
• Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting
• We’re looking for an analytically-minded Credit & Commercial Senior Analyst to work our commercial & pricing strategy in our motor finance team (Autolend)
• You’ll be entrusted with thought leadership on our commercial strategy, and have a large remit to set up and optimise our pricing to help achieve our objectives
• You’ll be part of a collaborative, ambitious organisation where ideas are encouraged and bureaucracy is minimal
• Your work will have a tangible impact, driving strategic decisions and enhancing our portfolio performance
• Autolend is building high performing portfolios, with bold growth targets and a commitment to responsible lending
• Your core responsibilities include:
• Optimising our pricing strategy, how much to lend and at what interest rate
• Improving our conversion funnel, responding to qualitative feedback as well as data insights
• Building a product that our customers and partners love
• How you’ll impact those objectives
• Define our multi channel pricing & commercial strategy and continuously optimise it to grow the business while maintaining strong returns
• Discover insights from data using tools like Python and SQL to find opportunities and optimise our strategy
• Seek out novel strategies and commercial approaches we can take advantage of
• Obsess over competitor trends and our performance through our diverse acquisition channels, responding quickly to changes in the market
• Collaborate cross-functionally with product, engineering, data, and our external partners to improve funnel performance
• Monitor and assess the success of implemented strategies and continuously identify areas for improvement

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