Senior Credit Risk Analyst – Fintech



October 11, 2022

Job Description

About Tymit

At Tymit our mission is to reinvent the credit card to make it honest, safe, and more transparent to achieve more peace of mind when managing your finances. To prove this to our users, we have built an elegant and intuitive app linked to a credit card designed to achieve better financial well-being and control like never before.

A credit card from a tech company, not a Bank. Fintech credit makes up only a tiny fraction of overall credit. Still, it is growing rapidly, and Tymit will be at the forefront of the digital disruption in the credit card world.

Based in the UK, Spain, and Greece, our talented and growing team is committed to creating a diverse and fun work environment putting the user at the centre of every decision we make. At Tymit, we have a mantra. Customers are first because that’s what drives us and our growth, and we’ll continue catering to them that way.

Compensation & Perks

πŸ’° The salary range of this role is Β£40,000 – Β£55,000 per annum depending on experience.

🏝 25 days of paid holiday plus bank holidays.
πŸ₯³ Your birthday off.
🏑 Tymit is working fully remote, and all employees can remain working from home if they want, traveling to our offices when agreed with the team.
πŸŒ‡ If your preference is working from our office and working onsite with other Tymiteers, we have you covered with our Madrid and London offices.
⏰ Flexible working hours.
πŸ€“ Additional days to attend conferences and workshops when related to technology and/or events related to Tymit’s industry and sector.

πŸ’² Budget for remote home expenses.

πŸ“š Learning & Development yearly budget with flexibility to expend it in different courses/platforms/events, always in partnership with your Lead.

πŸ₯ Private health insurance.

πŸ‘©πŸ€πŸ‘¦ Referral program.

πŸ’³ 6 months free-interest for all Tymiteers in our Tymit card.

πŸ’» Budget for your home office set up.

What would be your role

We are looking for a Senior Credit Risk Analyst who will help Tymit enable safer use of our credit card and protect our network from fraud. You will use your industry expertise and analytical abilities to improve our detection and mitigation mechanisms in this role. You will drive Tymit’s risk decisions with the use of data. In addition, you will build risk models and frameworks that will help you understand better the current and future portfolio of Tymit.

If you are looking to join a fast-paced, energetic and passionate team with room for professional growth – Tymit may be an excellent fit for you!

During your time at Tymit you will

  • Helping with the development, implementation and maintenance of credit and fraud risk models, MI platforms, and quantitative risk approaches for use throughout Tymit’s Card Portfolio.
  • Liaising with relevant internal departments for extraction of requisite data for scorecard/model development and MI production.
  • Developing analytical capabilities within Tymit to design, monitor and enhance credit risk strategies and policies.
  • Conceptualizing stress tests to evaluate portfolio risks.
  • Proposing strategies for risk mitigation across the portfolio.
  • Contributing to the production of advanced and insightful analytics and MI.
  • Work collaboratively with technical and non-technical stakeholders to deliver insights to support the broader business operations.
  • Maintain focus on improving our customer experience.
  • Support business areas such as Operations, Customer Experience and Product Team to iterate on our current processes and systems to quickly mitigate risk.
  • Continually explore and iterate tools and methodologies to improve our operational risk processes and efficiency.

What you will bring along

  • Good understanding of unsecured retail portfolios. Experience in the credit card industry would be ideal.
  • Genuine interest in risk, fraud and compliance, with an understanding of the current regulatory environment.
  • You are an intermediate/advanced user of programming languages such as SAS, SQL, R, Python, etc. and have the ability and willingness to learn more advanced programming and data management techniques.
  • Intermediate/advanced user of Microsoft Office programs, particularly Excel and PowerPoint
  • Experience working with data visualization tools to create meaningful dashboards.
  • Solving tough challenges and can communicate effectively at all levels, building cross-functional relationships with teams outside of the function.
  • Experience in banking, financial services or risk consultancy is a plus.

What you can expect from our hiring process
Stage 1

30 min. video call with Carla, Talent Partner. Understand your career plan and what motivates you about Tymit.
Stage 2
45 min. video call with Bis, Head of Credit Risk. Discussions around your previous experiences including a technical interview to better understand your skills and give you a sneak peek of what it could be working at Tymit.

Stage 3
90 min. video-call with Raj, CRO; and Bis, Head of Credit Risk. 20 min case study + 20 min case study + 30 min technical interview + 20 min coding test.

Stage 4
πŸβ€“ Offer πŸ“§

To meet our regulatory obligations as a licensed financial services company in the UK, Tymit needs to take background checks, Criminal and Credit checks, our new hires to help us safeguard our users.

If you have any concerns regarding this process, please discuss this with our People Team.

Tymit is made up of people from a wide variety of backgrounds, and you are welcome for who you are, no matter where you come from, what you look like. We seek to create a culture where everyone can belong because we believe that people do their best work when they can show up every day as their authentic selves. So, bring us your personal experience, your perspectives, and your background.

We do not make hiring or employment decisions on the basis of race, religion, age, national origin, gender, gender identity, or expression, sexual orientation, marital status, disability, pregnancy status or any other difference. If you have any disability, please let us know whether there are any adjustments we can make for our process to be more inclusive.