7 jobs found

Who are Yapily Why we exist, and where we're headed: Our Mission: Redefining how the world interacts with value. Our Vision: A world without financial friction Our Purpose: To empower everyone to access and move value At Yapily, we're building a powerful, scalable, and secure open banking infrastructure that redefines how the world interacts with value. Our open banking platform powers leading companies, such as Adyen, Intuit QuickBooks, and Google. By delivering payment initiation, bank data access, and pre-built products, we enable businesses to innovate fast and push the boundaries of financial technology. As an early pioneer of open banking, we're actively shaping the future of this industry with unrivalled expertise and a relentless focus on innovation. What we're looking for As we scale our business and prepare for accelerated product-led growth, we are looking for a proactive and experienced individual to take on a hybrid role that bridges project management and business analyst in a role we are calling Business Systems Analyst. Our immediate strategic focus is to extend our existing Open Banking PIS and AIS infrastructure to offer payment and settlement services. As a result of moving into the money flow and being EMI regulated, we will deliver and enhance a number of internal tools and platforms that support robust and efficient operating of the business. To this end, Yapily is looking for a dynamic, personable individual who can help design and implement the technology foundation that enables automation across client onboarding, FRAML, Regulatory Compliance and Treasury Management. You will be experienced in designing solutions for financial services products in a fast moving environment and have exposure to products and tools used to manage Risk and Compliance, Business Operations and Treasury Management. You are highly collaborative and solutions focused. You are comfortable designing and implementing technology frameworks to support effective business operations across multiple functions. You communicate effectively to promote an environment that truly understands the business and other benefits of effective operational excellence. You are results-oriented and energised by change. You will help to foster a collaborative and fun "can do" mindset across the teams you support. Key Tasks and Responsibilities The key individual will work to deliver in the business the following: Leading partner engagements relating to RFP's Working with internal stakeholders, clearly define and document business requirements and outcomes. Engage with engineering to define technical deliverables, integration timelines and release management. Manage the delivery and implementation of new tools, platforms, policy and process. Systems mapping/visualisation to show how different tools, modules & platforms relate and operate. Process Mapping of end to end User Experience Display cross-Functional Leadership, collaborating with Product Managers, Designers, Engineers, Operations, and Legal/Compliance teams to deliver the optimal business workflows while delivering business efficiency and risk management. Negotiate with vendors on contracts and costings. Communicate and embed new process and policy into the business This list is not exhaustive, and there may be other tasks that we ask you to be involved in from time to time. Above all, you are flexible and want to add value wherever you can. You understand that in a start-up, priorities change and we all need to be adaptable. Not only will you be comfortable when asked to input and lead in other areas, but you'll be comfortable being a self-starter and instigating changes yourself. Qualifications Minimum 3 years experience in working in a similar delivery role, preferably in a fast paced fintech environment Strong Stakeholder Management Good understanding of Data Privacy & GDPR Experience of Business Operations, Risk & Compliance or Sales Enablement EMI regulatory experience would be preferable Prince 2 skills in being able to project manage multiple deliverables Good understanding of financial crime control framework, specifically, KYB workflows, fraud and case management. Ability to manage senior stakeholders and report at board level deliverables. For your new role You are a people-focused leader. You've got a great team and you will be warm, honest and genuine on how you lead. You love innovation - it's wired into your DNA. You have exceptionally high integrity. You'll treat all interactions with the confidentiality, sensitivity and diplomacy they deserve. You're commercially minded - you understand how effective risk management and regulatory compliance can positively impact our products, services and wider business You think outside of the box and are pragmatic. You will bring in and iterate on the experience, skills and knowledge of best practice that you have seen elsewhere. You are always looking for better and cost effective ways to do things. You have aligned experience. You have worked in a fast past financial services environment before. You have designed, automated, operationalised and right sized processes to ensure effective risk management and regulatory compliance You are driven and curious. You ask questions and you strive to understand. You understand that your stakeholders will have different strengths. You're happy to learn from them and to share your expertise. You enjoy solving problems. You don't get flustered easily. You're comfortable managing your time and can be counted on to skilfully handle issues. You understand the importance of attention to detail and ensuring quality outputs. Everything you produce is of high quality. You have a can-do approach. You think on your feet. Switching up tasks and juggling multiple priorities comes naturally to you. OUR BENEFITS 25 days holiday a year (plus bank holidays) in the UK, 20 days in Lithuania, 23 days in Spain, 22 days in Germany We also offer an additional holiday day after 1 year's service, up to the value of 5 days We're serious about work/life balance and operate hybrid working, giving you the flexibility to work from home, working from our amazing office space or work abroad for up to 20 business days per year 'Nomad Working' Comprehensive Private Medical Insurance Income Protection (UK only) Company Pension Scheme Enhanced Paternity and Maternity leave £200 annual Learning and Personal Development budget Cycle To Work Scheme Employee Referral Scheme which offers £1,000 per employee referral Monthly social budget Dog friendly office OUR VALUES We obsess about quality Our customers have entrusted us with a critical function in a regulated industry and we take that responsibility seriously. We always assume ownership and hold ourselves accountable. We are curious Our innovation is powered by our collective growth mindset. We're lifelong learners who challenge assumptions, experiment, and iterate. We act with integrity We're guided by our mission and earn and maintain trust by doing what's right, even when it's not easy. We are do-ers We reject indifference and agility is our strength. We're motivated by challenges, and biassed towards action. We problem-solve together We're diverse people in diverse places, and know the best solutions are born out of collaboration. We win, lose, and learn together.

Job Description Purpose of the role: To provide a primary liaison service between the business, technology, and security functions. In order to ensure the confidentiality, integrity and availability of information, and support the mitigation of security risk. Accountabilities Collaboration with stakeholders to understand their security requirements in business processes and IT projects, to enhance overall risk management. Execution of risk assessments to identify and prioritise potential cybersecurity threats that could impact the banks operations and data and guide the implementation of mitigation strategies and communicate findings to relevant senior stakeholders. Collaboration with business units to develop and implement security policies and procedures for the banks operations aligned to the risk management framework. Management of the implementation, testing and monitoring of security controls across the banks IT systems to ensure the effectiveness of controls and mitigation of risk. Execution of training content and sessions to educate employees, enhance cybersecurity awareness and provide guidance on safe online practices. Management of complex cybersecurity incidents by collaborating with IT teams and response experts to effectively resolve cases through analysis, expertise support and project supervision. Identification of emerging cybersecurity trends, threats, and new technologies to address potential risks by advocating the adoption of new security solutions. Director Expectations To manage a business function, providing significant input to function wide strategic initiatives. Contribute to and influence policy and procedures for the function and plan, manage and consult on multiple complex and critical strategic projects, which may be business wide. They manage the direction of a large team or sub-function, leading other people managers and embedding a performance culture aligned to the values of the business. Or for an individual contributor, they lead organisation wide projects and act as deep technical expert and thought leader, identifying new ways of working and collaborating cross functionally. They will train, guide and coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions. Provide expert advice to senior functional management and committees to influence decisions made outside of own function, offering significant input to function wide strategic initiatives. Manage, coordinate and enable resourcing, budgeting and policy creation for a significant sub-function. Escalates breaches of policies / procedure appropriately. Foster and guide compliance, ensure regulations are observed that relevant processes in place to facilitate adherence. Focus on the external environment, regulators, or advocacy groups to both monitor and influence on behalf of Barclays, when appropriate. Demonstrate extensive knowledge of how the function integrates with the business division / Group to achieve the overall business objectives. Maintain broad and comprehensive knowledge of industry theories and practices within own discipline alongside up-to-date relevant sector / functional knowledge, and insight into external market developments / initiatives. Use interpretative thinking and advanced analytical skills to solve problems and design solutions in often complex/ sensitive situations. Exercise management authority to make significant decisions and certain strategic decisions or recommendations within own area. Negotiate with and influence stakeholders at a senior level both internally and externally. Act as principal contact point for key clients and counterparts in other functions/ businesses divisions. Mandated as a spokesperson for the function and business division. All Senior Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L - Listen and be authentic, E - Energise and inspire, A - Align across the enterprise, D - Develop others. All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship - our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset - to Empower, Challenge and Drive - the operating manual for how we behave. Head of GRC - Key Responsibilities Own the security policy framework, ensuring policies are current, proportionate, and aligned to PCI DSS, FCA expectations, UK GDPR, and DORA requirements. Maintain and operate the security risk register, ensuring risks are assessed consistently using a defined methodology, owned explicitly, and reported accurately to the CISO and Executive Leadership Team (ETL). Manage the relationship with external auditors, the Qualified Security Assessor (QSA), and 2nd/3rd Line of Defence (LoD) on all security and technology risk matters. Own the third party security assurance process, ensuring all vendors, partners, and card scheme integrations are risk assessed with a tiered approach proportionate to data access and criticality. Chair the monthly Cyber and Tech Risk and Controls Forum, presenting risk posture, compliance status, and material findings to the CISO, CIO and ELT. Design and maintain the control framework, mapping controls to PCI DSS, FCA, UK GDPR, and DORA requirements, and ensuring control effectiveness is tested on a continuous cycle. Produce KRI dashboards and risk reporting for CISO, CIO, and ELT consumption, ensuring risk is communicated in business terms. Lead regulatory and audit engagement on security matters, coordinating regulatory review and audit interactions and proactively managing stakeholder relationships. Own the risk assessment calendar, ensuring both cyclical and event driven assessments are executed on schedule with appropriate rigour. Manage the risk acceptance process, ensuring risk acceptance decisions are documented, time bound, approved at the appropriate authority level, and reviewed before expiry. Manage and develop the GRC team, building capability across risk assessment, compliance, and third party assurance disciplines. Key Deliverables Security risk register, reviewed and updated monthly with full audit trail in the GRC platform. PCI DSS compliance roadmap and continuously maintained evidence repository. Monthly Cyber and Tech risk and compliance report for CISO and ELT. Quarterly KRI dashboard and risk trend analysis for Risk Committee reporting. Annual third party security assurance plan with tiered assessment calendar and completion tracking. Control framework mapping document (controls mapped to PCI DSS4.0 / FCA / UK GDPR / DORA requirements). Risk assessment calendar (cyclical and event driven) with capacity planning. Risk acceptance authority matrix and active acceptance register. Required Skills and Experience CISM, CRISC, or CISSP certification. Experience with DORA (Digital Operational Resilience Act) compliance requirements and implementation. ISO27001 Lead Auditor or Lead Implementer certification. PCI QSA or Internal Security Assessor (ISA) qualification. Previous experience in FinTech, Digital Banking, Payment Acquiring organisation. Experience with Visa GACS and Mastercard SDP acquirer compliance programmes. Significant experience of progressive experience in information security governance, risk, and compliance, with at least 5 years leading a GRC team in a regulated environment. Strong understanding of UK GDPR and the role of security controls in meeting data protection obligations, including breach notification requirements and data protection impact assessments. Experience designing and operating security control frameworks mapped to multiple regulatory requirements simultaneously (e.g., a single framework serving PCI DSS, FCA, and GDPR). Understanding of cloud native architectures and their implications for compliance and risk management. Proven ability to translate technical security risks into business language for executive audiences. Experience managing internal and external audit relationships, regulatory examinations, and QSA assessments. Understanding of risk quantification methodologies and experience producing risk reporting that supports investment decisions. Proven people management experience, developing analysts and building team capability in a growing organisation. Experience with GRC tooling and platforms (e.g., Drata, Vanta, ServiceNow GRC, OneTrust, or equivalent).

The company Small businesses move fast. Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are. That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed. We've already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive. The team The Acquisition Strategy and Tech team is the integrated growth engine for iwoca in Germany. We bridge the gap between high-level commercial strategy and the technical systems that power our customer journey. By combining growth analytics, performance modeling, and full stack engineering, we own the end to end acquisition funnel - from the very first touchpoint to a completed loan application. Our Core Focus: Strategic Growth & Analytics: We serve as the central hub for our Direct Marketing and Sales channels. We translate complex data into actionable strategies, ensuring our outreach is both scalable and profitably managed. Technical Infrastructure: We build and maintain the proprietary systems and models that drive our German operations. This includes optimizing the User Experience (UX) to ensure a frictionless onboarding process for small businesses. Operational Excellence: We connect the dots between data driven decision making and real world commercial impact. Our mission is to ensure every potential customer receives a clear, relevant, and rapid understanding of how iwoca can fund their business. We are a fast moving, cross functional unit designed to turn strategic hypotheses into measurable results. Whether it's refining a marketing model or shipping a new feature in the application journey, we ensure that iwoca's expansion in the German market is backed by robust tech and a clear commercial North Star. The role This role sits at the intersection of commercial strategy, data, and technology. Reporting into the Head of Direct Acquisition, you will lead a high performing, interdisciplinary team of three and own acquisition and activation outcomes for the German market. Your primary objective is to co define the growth strategy and partner closely with engineering and data teams to build the systems, onboarding journeys, and experiments that bring that strategy to life. The scope of this role is broad and we're not looking for someone with deep expertise in every domain the team covers - spanning strategy, analytics, product development, and data science - but rather someone intellectually curious, and skilled at asking the right questions. You'll define hypotheses, lead cross functional initiatives, and own the roadmap for how iwoca engages with German businesses. You will be accountable for measurable impact on acquisition and conversion, bringing ideas to life through rigorous commercial insight, strong customer empathy, and practical delivery. As a Lead, you will also be responsible for coaching your team and establishing the operating rhythm for this new unit. Market and problem understanding Deeply understand the German SME lending landscape, customer needs, and competitive context to sharpen our go to market strategy. Translate market and customer insight into clearly defined product problems and prioritised commercial opportunities. Inform targeting and segmentation strategies to help Marketing and Sales reach the right customers. Product build and optimisation Own the roadmap for acquisition and onboarding, working with engineers and data scientists to develop tools such as lead scoring systems, eligibility checkers, and onboarding journeys. Work with marketing and sales to evolve website content, sign up flows, and decisioning logic to increase conversion. Influence future team capability by helping define priorities, roles, and processes as we scale. Experimentation and insight Design, run, and interpret A/B tests across messaging, targeting, onboarding tools, and product flows. Identify opportunities using first principle reasoning supported by data, customer research, and funnel analysis. Cross functional collaboration Manage, coach, and develop a team of at the beginning two commercial strategy analysts and a data scientist focused on acquisition strategy and operational excellence. Lead cross functional initiatives, aligning engineering, data, marketing, and commercial stakeholders around clear goals, hypotheses, and success metrics. Translate high level business goals into testable hypotheses and actionable briefs for our technical teams. Help establish the operating rhythm, rituals, and roadmap processes for this new team. The requirements Essential Strong commercial mindset with proven experience driving go to market strategy and measurable acquisition growth. Experience in growth strategy, revenue operations, or a highly analytical commercial role with a track record of driving tech enabled or product led growth. Proven people management or team leadership experience, with the ability to build culture and establish operating rhythms in a newly formed team. Fluency in German and strong written communication skills tailored to customer facing environments. Strong analytical capability and experience with experimentation frameworks and A/B testing tools. Experience working with (or a strong desire to learn about) technical models such as lead scoring, predictive targeting, or qualification logic. Ability to work from first principles and thrive in ambiguity with curiosity and autonomy. Bonus Experience in fintech, lending, B2B SaaS, or regulated products. Experience working closely with engineering, product, or data science teams to ship features or models. Knowledge of the German SME ecosystem or B2B financial products. The culture At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. The offices Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. Events and community led groups, including running groups, padel, and monthly ping pong and pool competitions. The benefits Flexible working hours. Medical insurance from Vitality, including discounted gym membership. A private GP service (separate from Vitality) for you, your partner, and your dependents. 25 days' holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave. A one month, fully paid sabbatical after four years. Instant access to external counselling and therapy sessions for team members that need emotional or mental health support. 3% Pension contributions on total earnings. An employee equity incentive scheme. Generous parental leave and a nursery tax benefit scheme to help you save money. Electric car scheme and cycle to work scheme. Two company retreats a year: we've been to France, Italy, Spain, and further afield. Learning & development A learning and development budget for everyone. Company wide talks with internal and external speakers. Access to learning platforms like Treehouse. Useful links iwoca benefits & policies

We are building the financial system for the next century. One where control sits in the hands of customers - not banks. Where money moves on rails that are faster, smarter, and radically more efficient. Where wealth management tools help you grow your savings for decades - and build generational wealth. Where fewer intermediaries mean more value stays where it belongs: in our customers' pockets. We operate with long-term ambition and absolute conviction. We are not here to iterate on the past - we are here to redesign it. This is a defining moment to join us. We are building what we believe will become one of the most important financial institutions in the world. That requires exceptional talent, relentless standards, and people who care deeply about the work. At ARQ, we are turning the financial system upside down - starting in the Americas. We are nimble, but ambitious. We move fast, learn fast, and innovate relentlessly. Technology is our greatest ally, and execution is our edge. We build as a team. We think long term. We aim for world class in everything we do. If you are exceptional at what you do - and ready to help redefine finance - we'd love to meet you.Are you ready to build what comes next? About the team We believe that small teams with the best talent outcompete massive companies with mediocre capabilities. That's why we have gathered a set of people who have done it before at iconic companies like Revolut, Uber, Amazon, Block and UBS: we owned some of the most loved and profitable products, delivered top notch transaction processing platforms, created beautiful mobile applications - and helped them become profitable companies that changed the lives of millions of people. In our quest to reshape the global financial system we have raised tens of millions of dollars from leading investors like Sequoia Capital, Founders Fund, Brevan Howard Digital, Y Combinator and Kaszek Ventures. Data Analyst - London Location London Employment Type Full time Location Type Hybrid Department What we're looking for Are you curious about how things work and motivated by uncovering insights hidden in data? As a Data Analyst at ARQ, you'll help us understand our business, customers, and operations through rigorous analysis and thoughtful storytelling. You'll explore data, detect patterns, and build the foundations for decisions that shape the future of our products and company. This is a role for someone early in their analytics career who wants to grow - learning how data drives product, financial, and strategic decisions in a fast paced fintech environment. What you'll be doing Explore and Analyze Data: Investigate user behavior, performance trends, and key metrics to uncover what's driving changes. Identify Anomalies and Opportunities: Spot unusual patterns or spikes and help the team understand their root causes. Reporting & Automation: Build and maintain dashboards and automated reports that make data accessible and reliable. Decision Support: Translate analytical findings into clear recommendations for product and operational improvements. Metric Design: Help define and refine the KPIs that matter most for our business and customer experience. Documentation: Keep analyses, methodologies, and assumptions well documented and reproducible. Modeling & Experimentation: Contribute to basic modeling tasks and structured experiments under guidance from senior analysts or data scientists. Continuous Learning: Expand your analytical toolkit and develop product sense through real world problem solving and mentorship. What you'll need 1-3 years of experience in analytics, data, or operations (internships count) Strong SQL skills for querying and exploring datasets Comfortable reading code and writing basic Python scripts for data manipulation, automation, and analysis Experience contributing to a shared analytics codebase or modern data stack (e.g., Snowflake/BigQuery + dbt + Git workflow) Analytical curiosity and a structured approach to problem solving Good communication skills - able to explain insights clearly and visually Initiative to automate repetitive tasks and improve reporting workflows Interest in fintech, data driven decision making, and machine learning concepts Ambitious, high potential mindset with evidence of strong achievement, fast progression, or outstanding academic/professional performance Nice to have STEM degree preferred (e.g., Mathematics, Computer Science, Engineering, Physics, Economics, or related fields) Experience with BI or visualization tools (Metabase, Looker, etc.) Familiarity with dbt for building and maintaining data models, writing tests, and managing transformations Exposure to fraud, financial, or product analytics (any domain welcome) Spanish/Portuguese proficiency for internal and external communications. Own the development process that will face on the customer's impact Latest technology to work with Strong team that will help you improve your skills.

What we're looking for Are you curious about how things work and motivated by uncovering insights hidden in data? As a Data Analyst at ARQ, you'll help us understand our business, customers, and operations through rigorous analysis and thoughtful storytelling. You'll explore data, detect patterns, and build the foundations for decisions that shape the future of our products and company. This is a role for someone early in their analytics career who wants to grow - learning how data drives product, financial, and strategic decisions in a fast paced fintech environment. What you'll be doing Explore and Analyze Data: Investigate user behavior, performance trends, and key metrics to uncover what's driving changes. Identify Anomalies and Opportunities: Spot unusual patterns or spikes and help the team understand their root causes. Reporting & Automation: Build and maintain dashboards and automated reports that make data accessible and reliable. Decision Support: Translate analytical findings into clear recommendations for product and operational improvements. Metric Design: Help define and refine the KPIs that matter most for our business and customer experience. Documentation: Keep analyses, methodologies, and assumptions well documented and reproducible. Modeling & Experimentation: Contribute to basic modeling tasks and structured experiments under guidance from senior analysts or data scientists. Continuous Learning: Expand your analytical toolkit and develop product sense through real world problem solving and mentorship. What you'll need 1-3 years of experience in analytics, data, or operations (internships count) Strong SQL skills for querying and exploring datasets Analytical curiosity and a structured approach to problem solving Good communication skills - able to explain insights clearly and visually Initiative to automate repetitive tasks and improve reporting workflows Interest in fintech, data driven decision making, and machine learning concepts (Bonus) Familiarity with Python for basic data manipulation (Bonus) Spanish/Portuguese proficiency for internal and external communications Nice to have Experience with BI or visualization tools (Metabase, Looker, Power BI, etc.) Understanding of key business metrics and experimentation principles Exposure to fraud, financial, or product analytics (any domain welcome) Benefits Competitive salary Sign on stock options bonus, so you become part of the success of the company Discretionary performance bonus (stock options) Paid annual leave Latest technology to work with Autonomy and ownership from day one Strong team that will help you improve your skills