Data Analyst - Credit and Collections
About 118 118 Money
At 118 118 Money, we are dedicated to helping Britain achieve financial fitness. In 2023, we proudly relaunched the iconic 118 118 twins, reaffirming our commitment to improving the financial health of individuals across the nation. Our loans and credit cards are designed specifically for those often overlooked by mainstream lenders, empowering over 800,000 customers on their journey to better financial well-being.
Our vision is to champion financial fitness throughout Britain by offering accessible products, valuable resources, and unwavering support. We are on a mission to provide fair and transparent credit solutions that promote financial well-being for all.
With an impressive 4.8 Trustpilot rating, we take pride in being an approachable lender, ready to provide clear financial support. If you’re inspired by what you’ve read and want to make a real difference in people's lives, keep reading — your next opportunity to contribute to our mission could be just a few clicks away!
What you'll do
We’re looking for a curious and motivated individual to join us as a Data Analyst supporting our Collections function across both credit cards and personal loans.
This is a great opportunity for someone who enjoys working with data, solving real-world problems and learning how insights can improve customer outcomes.
You’ll help us understand how customers behave and how our strategies are performing — by analysing data, building reports, and presenting trends that matter. Collections experience is a bonus, but your main focus will be on turning raw data into insight and supporting teams across the business.
As a Data Analyst (Collections), you’ll gain hands-on experience in a regulated environment, learn how data drives real decisions, and develop your technical and commercial skills along the way.
Key Responsibilities & Objectives
* Data Analysis: Use SQL and Excel to extract, clean and analyse datasets related to customer behaviour and collections outcomes.
* Reporting: Build and maintain dashboards and MI reports, highlighting trends in payment behaviour, delinquency and portfolio performance.
* Insight Generation: Support the identification of patterns and trends that can improve strategies and decision making.
* Team Collaboration: Work with teams in collections, credit risk, finance and operations to deliver data-driven projects.
* Ad-hoc Support: Respond to data requests from internal stakeholders with accurate and timely outputs.
* Process Improvement: Assist in automating or simplifying manual data tasks to improve accuracy and efficiency.
* Learning & Growth: Build your understanding of the collections process, financial products and regulation.
* Project Support: Contribute to wider projects (e.g. strategy testing, operational reviews, regulatory submissions), with guidance from senior analysts or managers.
What you need
* Experience or a strong academic background in data analysis or a related field.
* Working knowledge of SQL is essential. Familiarity with Snowflake, Python, Power BI or Tableau is a plus.
* Excel proficiency, including pivot tables, lookups and formulas.
* Analytical mindset and interest in solving real-world problems using data.
* Ability to communicate data insights in a clear and practical way.
* Strong attention to detail and a structured approach to analysis.
* Comfortable working in a team and supporting others with data queries.
* Interest in collections or financial services is a plus, but not required.
* Enthusiasm to learn and grow in a fast-paced, data-driven environment.
What's in it for you?
* A competitive salary.
* Flexible, hybrid working opportunities.
* Company bonus scheme - if the business does well, you should get rewarded for your hard work.
* 25 days' annual leave, (plus bank holidays) increasing to 27 after two years service and 30 after five.
* Company pension scheme – we provide an enhanced pension scheme with generous employer contributions to set you up for the future which includes life cover of 4x your base salary.
* Eye test – you can claim a freebie each year, or if your needs change.
* Employee Assistance Programme - we offer membership to a recognised scheme to support you and your wellbeing.
* A strong ethos of equality, diversity, and inclusion.
* Wide business exposure, in terms of business disciplines, projects and stakeholders.
* Direct contribution to business transformation and growth.
* Huge learning and career progression opportunities.
* Being valued as an individual from our team.
* Full training, support and mentoring to develop a successful career in financial services.
Like what you’ve heard? Great - apply now!
As a candidate, we know the interview process can be daunting and it’s important that you have a great experience with us. We will do all we can to make sure you are fully informed and excited by our story so we get to see the best from you. If you need any adjustments made to help you with the interview process, just let us know and we’ll do our best to accommodate them.
Following your application, we will want to learn more about you, your motivations, experiences, and values. In turn, you get to learn about our business, our culture, the role and what we can offer you.
If you think you’d be great for the role, but don’t necessarily tick all the boxes, we’d still love to hear from you, so apply today and take the first step towards an exciting future!
Equal Opportunity Employer
At 118 118 Money we are passionate about equality, diversity, and inclusion. We are committed to being representative of different cultures, background, lifestyles, and groups, where everyone has an equal chance to succeed. It is our policy to treat everyone fairly and to ensure no one is disadvantaged or receives less favourable treatment. We recognise that everyone has different needs and while we can’t accommodate every flexible working request we are more than happy to have a conversation about it.
How we handle your data
118 118 Money requires your personal data to process your application for a position within our Company. If your application is successful through to telephone screening/interview, and you are not selected for a role, we may store your personal data for 12 months to enable our HR team to contact you should future roles be advertised.
Where you apply, but are not selected for telephone screening/interview, we will delete your personal data once the position is filled.
118 118 Money does not use automated decisioning or profiling when selecting candidates.
For your rights under GDPR please see our Privacy Policy
Please be aware that should we pursue your application, all our Financial Services employees will be expected to complete background checks to assess suitability for employment, these include; a criminal record, identity, sanctions, adverse finance, fraud prevention and reference checks to comply with our regulatory requirements
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