Lead Analyst

About Jaja 

Our Mission: Empowering our customers to buy, borrow, and build—driven by tech, fuelled by data, and built for the future.

Our Company Values: Care Deeply, Adapt & Thrive, Challenge everything, Go for it! Own it, Make it Simple 

Jaja is an innovative UK based consumer finance business, leading initially with a digital credit card launched in 2018, and a pipeline of consumer finance solutions in the making. 

We are on a mission to redefine the consumer finance experience and liberate customers from needless complexity, wasted time and frustration. Or as we say it, Make Simple. 

We will delight our customers – making the customer experience simpler, more enjoyable, more intelligent – treating customers fairly and giving them more control of their money.

Why Join Us?

This is a chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever. 

We have a collaborative team structure fueled by an exciting mix of people, welcoming experienced people from the industry with both feet on the ground and tech-savvy dreamers who pave way for the new stuff. Come as you are and be yourself! 

** This role requires being in our London office 2 days a week, so please only apply if you're comfortably able to meet this requirement (47-51 Great Suffolk St, London SE1 0BS) 

Lead Analyst

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 towards effective solutions.

You’ll be joining a team of three: an Analytics Lead, Head of Analytics, and a Senior Analyst. 

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's in 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