Credit & Commercial Senior Analyst

Who you are

• This role is suitable for someone who loves using strong analytics to optimise our business, improve funnel performance while still delivering a good portfolio return
• Daily coding experience, with proficiency in Python and SQL ideally
• Proven experience in credit risk or commercial strategy roles, ideally within consumer lending
• A strategic mindset and the ability to translate complex data into clear, actionable decisions
• A focus on delivering results that align with both commercial and customer needs
• A collaborative, open approach and a willingness to challenge your own assumptions
• Experience working in marketing / growth roles is a plus, but not required!

What the job involves

So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days

We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes

Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of [Employer hidden] from day 1

Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo

Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting

We’re looking for an analytically-minded Credit & Commercial Senior Analyst to work our commercial & pricing strategy in our motor finance team (Autolend)

You’ll be entrusted with thought leadership on our commercial strategy, and have a large remit to set up and optimise our pricing to help achieve our objectives

You'll be part of a collaborative, ambitious organisation where ideas are encouraged and bureaucracy is minimal

Your work will have a tangible impact, driving strategic decisions and enhancing our portfolio performance

Autolend is building high performing portfolios, with bold growth targets and a commitment to responsible lending

Your core responsibilities include:

• Optimising our pricing strategy, how much to lend and at what interest rate
• Improving our conversion funnel, responding to qualitative feedback as well as data insights
• Building a product that our customers and partners love

How you'll impact those objectives

• Define our multi channel pricing & commercial strategy and continuously optimise it to grow the business while maintaining strong returns
• Discover insights from data using tools like Python and SQL to find opportunities and optimise our strategy
• Seek out novel strategies and commercial approaches we can take advantage of
• Obsess over competitor trends and our performance through our diverse acquisition channels, responding quickly to changes in the market
• Collaborate cross-functionally with product, engineering, data, and our external partners to improve funnel performance
• Monitor and assess the success of implemented strategies and continuously identify areas for improvement

Application process

We’re not corporate, so we try our best to get things moving as quickly as possible

• An initial phone conversation with a member of our team
• Onsite interviews, including a practical case study and team conversations
• A final discussion with a member of our executive leadership (C-suite)