Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right?
We started in 2018 with a small team and a big dream – to make credit accessible to all. Since then, we’ve achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we’ve got big growth plans.
About the role
Join us at the heart of a fast-moving, data-driven credit risk function where your work will directly shape Zilch’s rapid growth. In this role, you’ll take ownership of key credit and fraud metrics, driving initiatives that optimise approval rates, loss performance, and overall portfolio health. You’ll combine sharp analytical thinking with strong commercial awareness to uncover risk patterns, deliver actionable insights, and influence automated decisioning strategies at scale. Working closely with senior stakeholders and cross‑functional teams you’ll help identify and deliver the initiatives that will drive profitable growth. If you’re excited by solving complex problems with data, championing measurable impact, and playing a pivotal role in building smarter credit strategies, this is a unique opportunity to make a real difference in a high‑growth environment.
Day‑to‑day responsibilities
- Own key metrics and drive specific initiatives and projects, championing their success and ensuring the business draws the right conclusions.
- Optimise credit strategies for profitability, loss rates, approval rate and other KPIs.
- Provide actionable insights and recommendations to stakeholders for automated decisioning.
- Analyse data to find patterns of high‑risk transactions from both a credit and fraud perspective and develop mitigating strategies.
- Collaborate with other departments such as sales, marketing, finance, and legal to ensure compliance with credit policies, resolve credit‑related issues, and provide guidance on credit risk matters.
- Monitor the credit portfolios to identify and assess any changes in credit risk exposure, tracking performance, conducting periodic reviews, and identifying potential delinquencies or defaults.
- Prepare reports and documentation summarising credit risk findings, trends, and recommendations for management, regulators, and stakeholders.
- Stay updated on market trends, economic developments, and industry‑specific factors that may impact credit risk.
- Interact with data providers (especially credit bureaus), prepare samples for retro analysis, and assess their solutions.
What we’re looking for
- Ideally 5 years+ of experience in credit risk with direct exposure in strategy and analytics.
- Experience in optimising onboarding and portfolio management process to improve credit driven OKRs.
- A strong SQL background with experience in querying large databases and deriving actionable insights.
- Strong stakeholder management and communication skill, comfortable presenting data results to senior levels.
- Experience in data visualisation tools such as Looker, Tableau, Power BI, etc.
- A champion of metrics and the measurement of impact, with inquisitive acumen to explain the “Why”, not just the “What”.
- A team player who enjoys a collaborative and fast‑paced agile environment while being able to work independently.
- Ability to collect, analyse, organise, and disseminate significant amounts of information with attention to detail.
- Exposure to building, implementing, or optimising automated credit decisioning systems or workflows is a plus.
Benefits
- Income Protection.
- Permanent employees enjoy access to our Share Options Scheme.
- 5% back on in‑app purchases.
- £200 for WFH Setup.
- Private Medical Insurance including:
- GP consultations (video, telephone or face‑to‑face).
- Prescribed medication.
- In‑patient, day‑patient and out‑patient care.
- Mental health support.
- Physiotherapy.
- Advanced cancer cover.
- Employee Assistance Programme including:
- Unlimited mental health sessions.
- 24/7 remote GP & physiotherapy.
- 24/7 helpline for emotional & practical support.
- Savings & discounts on everyday shopping.
- 1:1 personalised well‑being consultations.
Family Friendly Policies
- Enhanced maternity pay.
- Enhanced paternity pay.
- Enhanced adoption pay.
- Enhanced shared parental leave.
Learning & Development
- Professional Qualifications.
- Professional Memberships.
- Learning Suite for e‑courses.
- Internal Training Programmes.
- FCA & Regulatory training.
- Hybrid Working.
- Casual dress code.
- Workplace socials.
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