Senior Credit Risk Analyst

The Company 

Stream is on a mission to bring better financial wellbeing to frontline workers.

We partner with some of the world’s most famous employers, like Bupa, Burger King, Green King and the mighty NHS to give their teams access to fairer financial services - all built around flexible pay. Over three million people can now choose how often they’re paid, track their shifts and earnings, start saving, use budgeting tools, get free financial coaching, and access fairer financial products. All in one financial wellbeing super-app.

Stream is unique: VC-backed and growing at scale-up pace, but with a social conscience. Some of the world's leading financial charities and impact funds were our founding investors, and we operate on a social charter - which means every product we build has to improve financial health and reduce the $5.6bn ‘premium’ lower-income earners pay for financial services each year.

You’d be joining a team of over 250 passionate, ambitious people, across Europe and the USA, building a category-leading fintech product and all united by that same mission.

The Opportunity:

After securing a £300m debt financing facility with Citi, we’re seeking an experienced consumer Credit Risk Analyst to play a pivotal role in one of the fastest growing scale-ups in Europe. As part of this role, you will create products unseen in the marketplace, helping to accelerate our lending strategy, seeing it through to a billion pound portfolio.

The ideal candidate is tired of owning a predetermined strategy and ready to bet on themself. You are motivated by owning something big, solving a new problem every day, and building something to help millions of Brits. You will be among the first handful shaping our future. This role operates within a multi-functional team which manages all aspects of credit products.

What will you be doing?

• Defining and optimising the credit strategy for our evolving lending portfolio, ensuring alignment with business objectives

• Discovering insights from data and formulate strategies to answer the big questions and address key business questions

• Collaborating with cross-functional teams to implement your strategies in the market effectively

• Monitoring and assess the success of implemented strategies, and continuously identifying further opportunities for enhancement

• Formulating strategies to improve our affordability policy and ensure the delivery of positive customer outcomes

What experience might you have?

Must-haves: (But if you’re close… we'd still love to talk to you!)

• Able to structure complex problems into manageable frameworks

• Ability to turn mountains of data into insights and solutions 

• Proficiency in analytical tools like Excel and SQL (Python is welcome)

• Experience in a fast pace analytical environment (consumer-lending environment, ideally with credit cards or unsecured loans, experience is preferred) 

• Inquisitive and truth-seeking attitude, with an inclination to challenge the status quo

• Excellent communication skills and ability to collaborate effectively in a cross-functional environment 

Working Policy: 3 days per week in the London hub 

Salary: Dependant on experience, salary ranging from £60,000 - £100,000 & stocks

What will we do for you?

• 25 Days Annual Leave in addition to public holidays (up to 5 day rollover), as well as flexible time off allowances for any ad-hoc childcare/family/caring needs

• 24 weeks' paid Maternity Leave and 4 weeks paid Paternity Leave for employees with over 12 months service

• Special Leave for In Vitro Fertilisation (IVF) and other fertility treatments

• Sabbatical scheme

• Paid leave to volunteer

• Private Healthcare including comprehensive mental and physical healthcare

• Salary sacrifice to pension, as well as bonus exchange to Pension: reap even more rewards of any bonus by paying into your pension & save on Tax and NI + added compound growth

• Enjoy savings with our electric vehicle salary sacrifice scheme

• Season Ticket Loan

• Access to Salary Sacrifice Schemes via ThanksBen: THE Benefits marketplace. Choose the benefits you want, when you want. Pay less tax, receive more value, including: Workplace nurseries, Cycle to Work, Home and Tech Scheme and more.

• The best benefit of all, access to Stream!

At Stream we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our product and our community to flourish. Stream is an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity/expression, or veteran status.