JaJa Finance Ltd

Lead Analyst Hybrid London Analytics Do you enjoy using data to uncover insights, optimise customer strategies, and influence key business decisions? Are you passionate about working with large datasets, building analytical solutions, and applying statistical techniques to drive customer engagement, profitability, and portfolio performance? If you thrive in a fast-paced environment, enjoy solving complex business problems, and can confidently translate data-driven insights into actionable recommendations, we'd love to hear from you. We're looking for someone highly data driven and technically strong - a true data manipulator with solid SQL skills, coding ability, and a sharp analytical mindset. You'll need to be tech savvy, ideally have experience in credit and knowledge of lending products, and be a natural problem solver who can quickly identify issues, understand the building blocks, and work toward effective solutions. You'll be joining a team of three: an Analytics Lead, Head of Analytics, and a Senior Analyst. Who we are Jaja is a UK based consumer finance business with a simple mission: to empower customers to buy, borrow and build using smart tech, strong data, and clear design. We launched our digital credit card in 2018 and we're continuing to grow, with new products and experiences in the pipeline. Our goal is to strip out unnecessary complexity and give people more control over their money - or as we put it, Make Simple. Our values guide how we work: Care Deeply. Adapt & Thrive. Challenge Everything. Go For It. Own It. Make It Simple. We're scaling quickly, and there's a lot of exciting change happening across the business. Key responsibilities: Deepen Existing Customer relationships to drive positive customer engagement, improve profitability, and reduce losses. Run credit, pricing and marketing strategies to achieve this goal. Deliver these strategies by using Python/R/SQL, Alteryx and Tableau, to manipulate and analyse data on a day to day basis, working at the cutting edge of analytical and statistical techniques. Promote a test-and-learn approach, constantly challenging existing strategies and processes to find better outcomes. Providing the business with data-based insight and recommendations for changes and improvements, and see those all the way through to implementation on a wide range of things including: limit management, balance transfers, promotional campaigns, and general portfolio management. Utilise big data across multiple sources to enhance our relationships with our customers. Deeply analyse portfolio performance trends to ensure portfolio health is maintained when executing these strategies. Collaborate with other teams like Tech / DataOps / Commercial / Finance / Customer Service / Collections to ensure smooth delivery of strategies and correct outcomes' forecast. Proactively identify gaps and potential risks in processes to maintain consistent adherence to high-quality standards. Required Skills & Experience: A degree in a quantitative field like Economics, Mathematics, Statistics, Business or Computer Science. 6+ years of experience in an analytical role; Lending or Risk experience is a plus, Credit Card experience a big plus. Extensive experience using SQL to extract and manipulate data, Python is a plus. Strong coding skills, and knowledge of databases including MySQL and AWS desirable. Previous experience of Tableau and/or Alteryx preferable. The ability to prioritise workloads and manage time effectively. The ability to interact and work alongside key stakeholders at all levels across the business with attention to expectation management. Experience in clearly communicating complex analytical insights in a simple manner to diverse audiences, including both technical and non-technical stakeholders. Desired: You are comfortable using a direct language and speaking in a straightforward yet respectful manner to save people time and simplify everyone's workday. You care deeply about helping customers manage their money in a smarter way and want to make a tangible impact in the consumer finance industry, by applying innovative technology and processes. You are execution focused and love rolling up your sleeves to get it done - you are hands on, proactive and take solutions / process orientated approach to your work. You are self motivating and can switch between working independently to collaborating as a team with ease. What we're doing at Jaja excites you! What'sin it for you? The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever Competitive salary Pension contributions, including Salary Exchange facility Annual bonus potential Private medical cover provided by Vitality (optional benefit) 25 days annual leave (FTE) plus UK bank holidays (with an additional day added for each full calendar year worked, up to a maximum of 30 days). Your birthday off each year as an additional day's holiday 4x life insurance cover Access to our confidential Employee assistance programme