Who we are: Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right? We started in 2018 with a small team and a big dream - to make credit accessible to all. Since then, we've achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we’ve got big growth plans. Want to join us? About the role. Join us at the heart of a fast-moving, data-driven credit risk function where your work will directly shape Zilch’s rapid growth. In this role, you’ll take ownership of key credit and fraud metrics, driving initiatives that optimise approval rates, loss performance, and overall portfolio health. You’ll combine sharp analytical thinking with strong commercial awareness to uncover risk patterns, deliver actionable insights, and influence automated decisioning strategies at scale. Working closely with senior stakeholders and cross-functional teams you’ll help identify and deliver the initiatives that will drive profitable growth. If you’re excited by solving complex problems with data, championing measurable impact, and playing a pivotal role in building smarter credit strategies, this is a unique opportunity to make a real difference in a high-growth environment. Day-to-day responsibilities. Own key metrics and drive specific initiatives and projects. You will champion the success of the initiatives, ensuring that the business draws the right conclusions. Optimising credit strategies for profitability, loss rates, approval rate and other KPIs Provide actionable insights and recommendations to your stakeholders for automated decisioning. Analysing data to find patterns of high-risk transactions from both a credit and fraud perspective and develop mitigating strategies. Collaborating with other departments such as sales, marketing, finance, and legal to ensure compliance with credit policies, resolve credit-related issues, and provide guidance on credit risk matters. Monitoring the credit portfolios to identify and assess any changes in credit risk exposure. This may involve tracking credit performance, conducting periodic reviews, and identifying potential delinquencies or defaults Preparing reports and documentation summarising credit risk findings, trends, and recommendations for management, regulators, and stakeholders. Staying updated on market trends, economic developments, and industry-specific factors that may impact credit risk. Interacting with data providers (especially credit bureaus), preparing samples for retro analysis, and assessing their solutions. What we’re looking for Ideally 5 years of experience in credit risk with direct exposure in strategy and analytics Experience in optimising onboarding and portfolio management process to improve credit driven OKRs A strong SQL background with experience in querying large databases deriving actionable insights Strong stakeholder management and communication skill, comfortable at presenting data result to senior levels Experience in data visualisation tools such as Looker, Tableau, Power BI etc. A champion of metrics and the measurement of impact, with the inquisitive acumen to explain the “Why”, not just the “What” A team player who enjoys a collaborative and fast paced agile environment while being able to work independently Ability to collect, analyse, organise, and disseminate significant amounts of information with attention to detail Exposure to building, implementing, or optimizing automated credit decisioning systems or workflows is a plus Benefits. Compensation & Savings: Pension scheme. Death in Service scheme. Income Protection. Permanent employees enjoy access to our Share Options Scheme. 5% back on in-app purchases. £200 for WFH Setup. Health & Wellbeing: Private Medical Insurance including; GP consultations (video, telephone or face-to-face). Prescribed medication. In-patient, day-patient and out-patient care. Mental health support. Optical, dental & audiological cover. Physiotherapy. Advanced cancer cover. Menopause support. Employee Assistance Programme including: Unlimited mental health sessions. 24/7 remote GP & physiotherapy. 24/7 helpline for emotional & practical support. Savings & discounts on everyday shopping. 1:1 personalised well-being consultations. Gym membership discounts. Family Friendly Policies: Enhanced maternity pay. Enhanced paternity pay. Enhanced adoption pay. Enhanced shared parental leave. Learning & Development: Professional Qualifications. Professional Memberships. Learning Suite for e-courses. Internal Training Programmes. FCA & Regulatory training. Workplace Perks: Hybrid Working. Casual dress code. Workplace socials. Healthy snacks.