Credit Data Analyst

RightCard Payments Limited

Job Overview

Location

Remote

Job Type

Full-time

Full Job Description

📋 Description

• As a Credit Data Analyst at RightCard Payments Limited, you will be the central analytical force driving our credit decision-making processes and providing critical insights into portfolio performance. Your core mission will be to transform raw lending data into clear, actionable intelligence that directly supports underwriting strategies, portfolio management, business valuation, and the overarching commercial strategy of the company.
• This role is far more than just generating reports; it's about proactively uncovering trends, identifying potential risks before they escalate, and articulating the narrative behind the numbers. You will empower senior leadership and credit teams to make swift, confident, and data-informed decisions throughout the entire lending lifecycle.
• You will be deeply embedded within the Credit function, acting as a hands-on, data-driven expert. Your responsibilities will span a wide range of analytical tasks, requiring close collaboration with stakeholders across Data, Risk, Finance, and Commercial departments to ensure a holistic and integrated approach to credit operations.
• **Analyze and Interpret Lending Data:** Perform in-depth ad hoc analyses to understand lending portfolio performance, dissect customer behavior patterns, identify key credit risk drivers, and evaluate product outcomes. This involves digging into the nuances of our lending activities to extract meaningful insights.
• **Build and Maintain Reporting Infrastructure:** Design, develop, and maintain robust management dashboards, recurring performance reports, and key performance indicator (KPI) tracking systems. These tools will be essential for both day-to-day operational monitoring and long-term strategic planning.
• **Conduct Cohort and Valuation Analysis:** Execute comprehensive cohort analysis to inform critical business decisions related to valuation, product development roadmaps, and overall credit strategy. This will help the business gain a deeper understanding of how different customer segments and products perform over time.
• **Identify Emerging Risks and Opportunities:** Proactively leverage data-driven insights and rigorous analytical reasoning to pinpoint emerging trends, potential risks within the credit portfolio, and untapped growth opportunities. Your findings will guide proactive risk mitigation and strategic expansion.
• **Support Strategic Decision-Making:** Deliver detailed, deep-dive analyses to support significant strategic initiatives. You will be responsible for presenting your findings in a clear, concise, and compelling manner to senior stakeholders, enabling them to make informed strategic choices.
• **Foster Cross-Functional Collaboration:** Work closely and effectively with teams such as Decision Science, Underwriting, Finance, Product, and Commercial. The goal is to translate complex analytical insights into concrete, actionable business strategies and operational improvements.
• **Ensure Compliance and Standards:** Guarantee that all analyses, reports, and methodologies adhere to internal company standards and relevant regulatory requirements, including specific guidelines such as those from the FCA and CONC, ensuring the integrity and compliance of our credit operations.
• **Develop Predictive Models (as needed):** Contribute to the development and refinement of predictive models for credit scoring, fraud detection, and customer lifetime value, enhancing our ability to manage risk and optimize lending strategies.
• **Monitor and Analyze Key Credit Metrics:** Track and analyze a wide array of credit portfolio KPIs, including but not limited to, delinquency rates, default rates, loss given default (LGD), probability of default (PD), loan-to-value (LTV) ratios, and portfolio yield.
• **Enhance Underwriting Processes:** Provide data-backed recommendations to optimize underwriting rules, credit policies, and risk assessment frameworks, aiming to improve approval rates while maintaining portfolio quality.
• **Contribute to Financial Forecasting:** Assist the Finance team by providing data-driven inputs for financial forecasts, budgeting, and capital allocation decisions related to the lending business.
• **Champion Data Quality and Governance:** Advocate for and contribute to maintaining high standards of data quality, integrity, and governance across all credit-related datasets, ensuring the reliability of analytical outputs.
• **Communicate Insights Effectively:** Develop compelling narratives around data findings, utilizing visualizations and clear language to communicate complex analytical results to both technical and non-technical audiences, fostering a data-informed culture across the organization.
• **Stay Abreast of Industry Trends:** Continuously research and stay updated on the latest trends, technologies, and best practices in credit risk analysis, fintech lending, and data science, bringing innovative ideas and approaches to the team.
• **Drive Automation and Efficiency:** Identify opportunities to automate repetitive analytical tasks and reporting processes, freeing up time for more strategic and in-depth analysis.

🎯 Requirements

• Strong technical expertise in SQL for data querying and manipulation, and proficiency in Python for data analysis, scripting, and potentially model development.
• Hands-on experience with cloud data warehouses (e.g., Snowflake, BigQuery, Redshift) and data transformation tools such as dbt.
• Proven experience within UK consumer lending, fintech, or broader financial services, with a solid understanding of credit and lending workflows and lifecycle stages.
• Demonstrated ability to conduct cohort analysis and support valuation or financial modeling for strategic decision-making purposes.

🏖️ Benefits

• Competitive salary and potential for equity participation.
• Comprehensive health insurance coverage.
• Generous paid time off and flexible working arrangements, including remote work options.
• Opportunities for professional development and continuous learning.
• A dynamic and inclusive work environment with a mission-driven culture.

Skills & Technologies

Python

Remote

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RightCard Payments Limited

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About RightCard Payments Limited

RightCard Payments Limited operates Lemfi, a digital remittance platform enabling immigrants in the UK, Europe, Canada and the US to send money to Africa, Asia and Latin America quickly and at low cost through mobile apps and local payout networks.

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