Senior Credit Analyst

We’re Capital on Tap Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030. Why Join Us? We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment. This is a Hybrid role, the Data Science team work from our London (Shoreditch) Offices 3 days per week. Data Science Team at Capital on Tap The team’s mission is to drive growth and impact through smart use of data and advanced analytics across customer acquisition, approval strategies and portfolio management. The team includes a diverse pool of analysts with various degrees of expertise ranging from data engineering to advanced analytics. What You’ll Be Doing We are looking for a talented and ambitious analyst to help us continue our rapid growth trajectory. This autonomous and fast-paced role entails finding exciting commercial opportunities, and turning these opportunities into real business growth. This role will initially be focused on our US business covering a wide range of tasks on credit underwriting and portfolio management. There will be scope for rotation into other areas of the business after 6-12 months. You’ll be: ✨Using your advanced analytical skills to find growth opportunities for the US business. ✨Delivering on these opportunities and making a real impact to the bottom line of the business. ✨Driving the strategy for underwriting and portfolio management with data-driven insights. ✨Working closely with our data and even building your own datasets to support your analyses. ✨Being involved in and advising on strategic and commercial decisions as required. We’re Looking For ✨3-5 years experience as an analyst in a fast pace environment (e.g. consulting or a startup / scale-up) ✨Strong analytical/ quantitative skills and able to cast business problems as analytical questions ✨Experience working with data and strong SQL skills ✨Experience with a programming language like Python or R, and dashboarding softwares such as Looker or Tableau would be beneficial ✨Willingness to “get your hands dirty” and learn how to build, analyse, and maintain complex datasets ✨Conviction to challenge assumptions and received wisdom ✨Curiosity to learn and experiment ✨Analytical, pragmatic, and tenacious character Diversity & Inclusion We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work. Great Work Deserves Great Perks We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits: Private Healthcare including dental and opticians services through Vitality ✈️ Worldwide travel insurance through Vitality Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical) Salary Sacrifice Pension Scheme up to 7% match ️ 28 days holiday (plus bank holidays) Annual Learning and Wellbeing Budget Enhanced Parental Leave Cycle to Work Scheme Season Ticket Loan 6 free therapy sessions per year Dog Friendly Offices Free drinks and snacks in our offices Check out more of our benefits, values and mission here . Other Useful Info Interview Process: First stage: 30 minute intro and values call with Talent Partner (Video call) Second stage: 45 minute interview with Director of Data Science (In person) Final stage: 30 minute interview with Chief Commercial Officer (In person ideally on the same day as the second stage) Check out our ‘Top Tips’ for interviewing. ✔️Keep updated on new job opportunities by following us on Linkedin . Email careerscapitalontap.com if you have any questions. Excited to work here? Apply If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)