Senior Credit Strategy Analyst, Impairment at Zola

London, England, United Kingdom

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Finance, FintechIndustries

Requirements

Strong experience solving analytical and numerical problems, preferably in credit strategy or risk in a consumer lending environment
Familiar with key IFRS9 modelling components (PD, LGD, EAD, Staging) (preferred)
Strong ability in manipulating and analyzing large datasets using SQL and/or Python
Experienced in visualization and storytelling through data
Passion for translating numbers into business opportunities and delivering insights to drive decision-making

Responsibilities

Assess credit risk of assets across all lending products using the Expected Credit Loss (ECL) framework
Understand and monitor portfolio trends, market dynamics, and macro-economic environment
Collaborate with cross-functional teams (data science, product, collections, finance) to develop innovative approaches to calculating impairment provisions, ensuring compliance with internal policies and external regulations
Lead complex and high-impact projects
Devise creative, innovative solutions to analytical challenges across lending products (unsecured personal loans, credit cards, secured loans, point-of-sale finance)
Analyse portfolio performance, identify areas of improvement, and recommend ECL framework enhancements
Work cross-functionally to deliver end-to-end solutions and improvements
Use advanced statistical techniques to predict customer behavior or forecast future losses
Continuously innovate on ways of working, optimization, and efficiencies across the team
Mentor and guide junior team members, fostering their growth and development

Skills

Key technologies and capabilities for this role

Credit RiskExpected Credit LossImpairment ProvisionsRisk AnalyticsPortfolio AnalysisMacro-economic AnalysisData Science CollaborationRegulatory ComplianceFinancial ModelingSQL

Questions & Answers

Common questions about this position

What is the employment type for this role?

This is a permanent employee position.

Is this role remote or does it require office work?

This information is not specified in the job description.

What technical skills are required for the Senior Credit Strategy Analyst role?

The role involves working with tools like AWS SageMaker for ML, DBT for data processing, Python, Redshift, and Tableau.

What is the company culture like at Zopa?

Zopa emphasizes collaboration across cross-functional teams, empowers innovative thinking, and has been named in the top three UK’s Most Loved Workplaces with a team of bright minds and friendly people.

What makes a strong candidate for this position?

Strong candidates embrace unconventional challenges, think differently, are driven to make an outsized impact, and have a passion for translating numbers into business opportunities and delivering insights.

Zola

Online wedding planning and registry platform

About Zola

Zola.com is an online platform designed for couples planning their weddings. It offers a variety of services including customizable wedding invitations, venue and vendor recommendations, and a gift registry that allows couples to manage gifts, experiences, and cash funds all in one place. The platform simplifies the wedding planning process by providing tools for managing guest lists, tracking RSVPs, and meal selections. Zola stands out from competitors by allowing couples to exchange gifts for credit before they are shipped, enhancing the gift-giving experience. The company generates revenue through commissions from vendors and venues booked through its platform, as well as from the sale of wedding-related products. Zola's goal is to provide a seamless and user-friendly experience for engaged couples, making wedding planning easier and more organized.

New York City, New YorkHeadquarters

2013Year Founded

$164.6MTotal Funding

SERIES_DCompany Stage

Consumer Software, Consumer GoodsIndustries

201-500Employees

Benefits

Hybrid Work Options

Flexible Work Hours

Risks

Emerging platforms offering similar services at lower costs threaten Zola's market share.

Economic downturns may reduce spending on weddings, impacting Zola's revenue.

Expansion into baby registries may dilute Zola's brand focus on weddings.

Differentiation

Zola offers a unique AI tool to balance wedding planning decisions.

Zola's comprehensive platform includes customizable invitations and vendor recommendations.

Zola's guest list management tool streamlines RSVP tracking and meal selections.

Upsides

Zola's AI tool aligns with the trend of integrating AI in wedding planning.

The rise of micro-weddings creates demand for Zola's tailored services.

Zola's digital marketing can leverage increased social media use for wedding planning.

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