Credit Strategy Manager

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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 offerings at website .

We're incredibly proud of our achievements, and none of it would be possible without our amazing team. It's not just industry awards we're winning; we've also been named one of the UK's Most Loved Workplaces.

If you embrace unconventional challenges, think differently, and are driven to make an impact, you'll thrive at Zopa. Join us and make it count. Want to see us in action? Follow us on

We're hiring a Credit Strategy Manager to lead one of our credit strategy and analytics teams. You will manage a high-performing team engaged in improving our lending strategies by using sophisticated analytical and testing infrastructure to recommend changes based on analytical models and judgment.

As a Credit Strategy Manager, you will develop and optimize credit strategies across the customer lifecycle, including building valuation models, setting pricing, and underwriting strategies. You'll oversee products like Unsecured Personal Loans, Car Finance, Credit Cards, and Point of Sale Finance. This is a great time to join Zopa, with access to rich datasets and a growth trajectory.

Collaboration is key at Zopa. You will work closely with data science, product, and engineering teams to develop growth strategies, influence decisions, and identify new opportunities through advanced analytical techniques.

A day in the life

• Optimising underwriting and pricing strategies for new or existing customers.
• Managing pricing and commercial aspects, making strategic recommendations to product leads.
• Developing and refining NPV models and assumptions.
• Supporting the development of scorecards for decision-making and analyzing risks and benefits.
• Grounding P&L risk and revenue assumptions to inform lending and marketing strategies.
• Building data infrastructure and monitoring frameworks to identify trends, sharing insights with senior management, and taking necessary actions.
• Leading and developing your team through guidance, coaching, and mentorship.

About you

• Strong experience in Commercial and Credit Risk analytics or modeling in consumer lending.
• Good technical skills, including SQL and Python.
• Inquisitive, curious, and passionate about deriving insights from data.
• Strong interpersonal skills and ability to work well in cross-functional teams.
• Effective stakeholder management skills, gaining buy-in from senior stakeholders.
• Analytical, detail-oriented, capable of working under pressure, with good time management.
• Ability to break down complex problems into simple hypotheses, focusing on core levers.
• Leadership skills and enjoyment in developing talented analysts.

We're on the move! Zopa will relocate to 20 Water Street, Canary Wharf, by the end of 2025, fostering collaboration and creativity for 900 employees. We value flexible working: this hybrid role requires 2-3 days in our London office, with the option to work abroad up to 120 days a year, subject to right to work.

Diversity Statement Zopa is committed to a workplace free from discrimination. We value diverse experiences and perspectives, which lead to better products and a richer culture. We have nearly 50 nationalities, a DE&I forum, and are proud of our inclusive culture. We accommodate reasonable adjustments in our hiring process.