Zopa

Our Story Hello there. We're Zopa. We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don't like about finance and does the opposite. We're redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre - we've built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at We're incredibly proud of our achievements and none of it would be possible without the amazing team here. It's not just industry awards we're winning, we've also been named in the top three UK's Most Loved Workplaces. If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you'll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on The Team The Analytics Engineering team is a key part of the broader Data, Analytics & AI organisation within Technology. Our mission is to transform data into high-quality, trusted, and scalable data products that empower analytics, product, finance, risk, and commercial teams to make smarter decisions for our customers. We work closely with Data Engineers, Analysts, Data Scientists, ML Engineers and stakeholders across the business. As Zopa continues to align Analytics Engineering to business domains, we are embedding domain ownership, ensuring our data models and semantic layers reflect real-world business boundaries and needs. The Role This is a hands on technical leadership role focused on raising standards, shaping technical direction, and increasing modelling maturity across domains - without formal line management responsibility. You'll own and deliver the most complex modelling challenges, help to define and evolve best practices for dbt, modelling, governance and cost optimisation. You'll act as a technical authority within analytics engineering, whilst mentoring and enabling others to raise their technical bar. You'll also shape how domain data products are designed, owned, and consumed across Zopa. What you'll be doing: Evolve the technical direction for Analytics Engineering in partnership with the Head of AE Develop scalable modelling patterns aligned to our data mesh and domain-based ownership approach Raise engineering standards across testing, CI/CD, documentation, version control and code review Lead by example in applying data governance and risk standards across all data products Design and build robust, production-grade, cost efficient dbt models for high impact domains Own modelling strategy for key business areas, ensuring consistency, maintainability, and scalability Optimise data marts for performance, reliability and long term growth Break down complex domain problems into scalable data products Evaluate trade offs between cost, performance, maintainability and delivery speed Take end to end ownership of high impact modelling initiatives Partner with product teams and domain owners to translate business needs into clean, well documented data models Ensure cross domain consistency and reusability of shared entities Advocate for domain ownership and clear data contracts Simplify overly complex modelling areas and reduce unnecessary warehouse costs Mentor Analytics Engineers and Analysts, helping them deepen their modelling and engineering expertise Provide high quality, empathetic and actionable code reviews Share knowledge at scale through documentation, technical sessions or playbooks We're looking for someone who: Thrives in a developing environment where not everything is defined Communicates clearly with engineers, product teams and business stakeholders Can influence without authority Has strong problem solving and critical thinking skills Is comfortable making decisions in ambiguity Enjoys mentoring and raising standards Is proactive about identifying and solving structural problems Embraces continuous learning and technological advancement What you'll bring: Significant experience as a Senior or Lead Analytics Engineer Demonstrable experience setting technical standards or shaping modelling practices Strong expertise in SQL and building production grade, cost efficient dbt models Experience working in modern cloud data environments Strong understanding of data governance and risk considerations Experience working cross functionally in product led environments Solid understanding of CI/CD, Git based workflows, and version controlled deployments At Zopa we value flexible ways of working. We value face to face collaboration and a good work life balance. This hybrid role requires you to come to our London office 2-3 days a week. You'll also have the option of working from abroad for up to 120 days a year! But no matter where you are, we'll make sure you've got everything you need to thrive, both in your work and home life, from day one. Subject to having the right to work in the country of choice Diversity Statement Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.

The Engineering Challenge Our Software Engineers don't just write code, they solve real financial problems for millions of customers. You'll work on distributed systems processing thousands of transactions daily, build resilient services that handle people's money, and create experiences that make traditionally complex financial products feel simple. We care deeply about great engineering, which is why our core stack is Kotlin, running on a modern platform with Kafka, Kubernetes, Docker and AWS Aurora Postgres. But great engineers aren't defined by a single language which is why we are agnostic with our hiring. We want the right people, not the 'right' language, so if you come from a C#/.NET background, bring solid fundamentals, and have an appetite for learning something new, we'll invest in you, help you grow your skills and confidently step into our Kotlin ecosystem. Your Impact Writing clean, reliable and maintainable backend code using Kotlin Working on scalable cloud-based systems within a product-focused Agile team Collaborating with engineers, product managers and designers to build and ship features Taking part in planning, technical discussions and code reviews Building well-tested services and contributing to continuous delivery Taking ownership of your work - from development to production Continuously learning and developing your skills in a supportive environment Your Toolkit You've got some solid hands-on experience with C# but open to learning Java or Kotlin You care about writing good quality code and value clean design and testing You're curious, eager to learn and not afraid to ask questions You enjoy solving problems and working as part of a collaborative team You want to build things that have a real impact on customers You communicate clearly and are happy contributing to team decisions You're excited by modern engineering practices like CI/CD and cloud-native tools Our Engineering Culture Customer impact over unnecessary complexity Team success over individual heroics Operational ownership, not just feature delivery Continuous improvement through honest feedback Added Bonus Experience with fintech or banking is a plus, but we value problem-solvers from all backgrounds At Zopa we value flexible ways of working. We value face to face collaboration and a good work life balance. This hybrid role requires you to come to our Manchester office 2-3 days a week (WeWork, Dalton Place, 29 John Dalton Street, M2 6WF). Please note this office is dog friendly so you might see some furry friends about! You'll also have the option of working from abroad for up to 120 days a year! But no matter where you are, we'll make sure you've got everything you need to thrive, both in your work and home life, from day one. Subject to having the right to work in the country of choice Diversity Statement Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.

A leading fintech company in Manchester is seeking a Software Engineer to design and implement robust backend services. You will write quality code in Kotlin, collaborate with diverse teams, and contribute to Agile projects. With a supportive culture, the company values learning and offers hybrid work options. Candidates should have experience in C# and be open to transitioning to Kotlin. Join the team to build impactful financial products, while enjoying a flexible and inclusive working environment.

Our Story Hello there. We're Zopa. We started our journey back in 2005, building the first ever peer to peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don't like about finance and does the opposite. We're redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre - we've built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at We're incredibly proud of our achievements and none of it would be possible without the amazing team here. It's not just industry awards we're winning, we've also been named in the top three UK's Most Loved Workplaces. If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you'll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on The team The Analytics Engineering team is a key part of the broader Data Team within the Technology division. We're growing and excited to welcome a new Analytics Engineer to join us! Our mission is to transform data into actionable insights, empowering analytics, product, finance, and risk teams to extract the value and information they need. At Zopa, we're committed to leveraging data to make smarter decisions for our customers. As an Analytics Engineer, you'll dive into your domain, build a deep understanding of the data, and create high quality data products. These products will be well structured, reliable, and incorporate robust controls and quality checks using our selected tools. In line with Zopa's strong focus on autonomy and empowerment, you'll take ownership of the daily operation of our data marts. This includes resolving issues, escalating when necessary, and ensuring smooth operations. Beyond technical responsibilities, you'll collaborate closely with stakeholders to share your data knowledge and expertise. Additionally, you'll support the team by conducting code reviews and validating data, ensuring our work meets the highest standards. This role offers a dynamic environment where you can make a real impact while contributing to a culture of excellence and collaboration. A day in the life You would report directly into the Head of Analytics Engineering You'll collaborate with stakeholder teams to identify customer needs and deliver effective solutions that generate value for the business You'll model raw data into clean, tested & reusable datasets enabling analysts and other stakeholders to understand and use data more effectively You'll take ownership of existing data assets and identify ways to simplify and optimise them You'll develop good relationships with product teams to understand the changes that are coming and how this might impact the processes that you own You'll make your data sets a wonderful experience to use and support by providing great documentation and robust quality checks You would get involved in troubleshooting and investigation of issues, liaising across teams to find solutions You would provide input into improving how the team works and how to improve our processes, standards, and best practices to improve the quality and consistency of what we produce You'll help, support and mentor other members of the team and our stakeholder group with data knowledge and skills You'll support other team members by delivering code reviews and data validation checks to make sure we keep our standards About you Previous experience in an analytics engineering role Strong SQL skills and experience with data warehouses (e.g., Redshift, Snowflake, BigQuery) Proficiency with dbt or similar data transformation tools Knowledge of data governance and best practices for data security Clear and concise communication skills to explain complex technical concepts to non technical stakeholders Analytical mindset with attention to detail and curiosity to find the edge cases in data that might impact its use Excellent problem solving skills Embraces new technologies and stays updated with the latest trends and tools in data analytics & engineering & AI Added bonus Experience with Python or Airflow Experience in CI/CD pipelines for data engineering workflows At Zopa we value flexible ways of working. We value face to face collaboration and a good work life balance. This hybrid role requires you to come to our London office 2 3 days a week. You'll also have the option of working from abroad for up to 120 days a year! But no matter where you are, we'll make sure you've got everything you need to thrive, both in your work and home life, from day one. Subject to having the right to work in the country of choice Diversity Statement Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.

A leading financial technology firm in London seeks an Analytics Engineer to transform data into actionable insights. This role emphasizes collaboration, data ownership, and problem-solving in a hybrid work environment. Candidates should have strong SQL skills and experience with data transformation tools. The position offers flexibility, allowing work from abroad and a focus on achieving work-life balance. Join a diverse team committed to excellence in data engineering.

Senior Credit Strategy Analyst We're looking for a new Senior Credit Strategy Analyst to join our high performing credit analytics and strategy team. This team is responsible for driving step change improvements in credit performance by developing risk models, hypothesis testing, and monitoring portfolio trends. Collaboration is key at Zopa - you'll work closely with our cross functional teams including data science, product, and engineering to develop and drive growth strategies, influence strategic decisions, and identify new opportunities through the application of leading edge analytical techniques. We look for bright individuals with a passion for translating numbers into business opportunities and delivering insights to drive decision making - if this resonates with you, we'd love to hear from you! Why join Credit Strategy at Zopa? As a Senior Analyst, you will be entrusted to lead on our most complex and highest impact projects. You will work in a team that covers a broad remit across lending strategy, credit policy, affordability, fraud, valuations, and pricing. Zopa offers a broad range of lending products - unsecured personal loans, credit cards, secured loans for car purchase, and point of sale finance - each posing unique analytical challenges. You work with some of the best tech in the industry, such as powerful Python instances for data analysis, machine learning, and Redshift for data warehousing. All our decision ing systems are built in house, giving us nearly unlimited flexibility in what we can implement. You work in a wider cross functional product, credit, and data science team, so you will have the opportunity to work alongside, learn from, and mentor some of the brightest minds and friendliest people in the industry. A day in the life Optimising credit strategy and decisioning for one of our lending products, either through the deployment of a new risk scorecard or by designing and implementing a change to credit policy. Using advanced statistical techniques to predict customer behaviour or forecast future demand. Shaping and enhancing our credit policy, and working with the product and tech teams to deliver these changes. Working with open banking data or other novel datasets to find new ways of enhancing our credit strategy. Managing the pricing & commercials on our lending programme and making recommendations on our strategy to the Product Directors. Analysing the performance of our portfolio, identifying any areas of improvement, and recommending strategy changes based on these findings. Collaborating with our fraud team to stay updated on latest trends and exploring potential enhancements to our fraud strategy. Formulating strategies to improve our affordability policy and ensuring we continually deliver good customer outcomes. Building NPV & pricing optimisation models to inform lending decisions while understanding their inherent limitations. Please note - the above aims to provide insight into some of the exciting projects our Senior Analysts have been working on in the last months. You would not be expected to do all of the above in one typical day at Zopa! About you You have strong experience doing credit risk analysis in a consumer lending environment. You have a strong ability in manipulating and analysing large datasets using SQL and/or Python. You are experienced in visualisation and storytelling through data. You have a passion for translating numbers into business opportunities and delivering insights to drive decision making. You are a structured and holistic problem solver, and possess strong time management skills. You have an insatiable curiosity and a relentless drive to learn, improve, and share knowledge with others. You are able to work collaboratively with cross functional teams, including tech, data science, finance and product. We know that no candidate will meet every single desired qualification. If your experience looks a little different from what we've identified and you think you can bring value to the role, we'd love to learn more about you! At Zopa we value flexible ways of working. We value face to face collaboration and a good work life balance. This hybrid role requires you to come to our London office 2 3 days a week. You'll also have the option of working from abroad for up to 120 days a year! But no matter where you are, we'll make sure you've got everything you need to thrive, both in your work and home life, from day one. Subject to having the right to work in the country of choice. Diversity Statement Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference, and we are proud of our culture where everyone can bring their full selves to work. Our approach to DE&I is reflected in our hiring process, so please let us know if you require any reasonable adjustments.

Zopa in Greater London is seeking a Senior Credit Strategy Analyst to join their high-performing credit analytics team. This role involves optimizing credit strategies, using data analysis and statistical techniques to enhance lending products. Candidates should have solid experience in credit risk analysis and strong skills in SQL and Python. Zopa values flexible working, requiring in-office presence 2-3 days a week. The company promotes diversity and supports employees in a cooperative working culture.