Product Analyst - Credit
LemFi is a fintech company reshaping how immigrants move money globally. It offers international money transfers, multi-currency wallets, request money, and eSIM products, serving immigrants sending money back home to family across more than 30 countries.
Funding
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Projects
About LemFi
LemFi provides international payment products designed to help immigrants thrive financially. Its core offering is international money transfer, allowing customers to send money to more than 30+ countries, often with low or zero transfer fees and competitive exchange rates, with transfers usually arriving within minutes. The company also offers multi-currency wallets, a request money feature for sending payment requests or sharing payment links, and an eSIM product for connectivity while traveling. LemFi primarily serves immigrants and global migrants who need reliable, low-cost ways to send money to loved ones back home via bank accounts, mobile money, and other channels. The company has over 1,000,000 customers and a team of 200+ people globally, and has been featured in the news for raising $33 million in funding, partnering with Visa on cross-border payments, and working with ClearBank for agency banking services.
Skills
About the Role
You'll be the analytical engine driving the strategy that scales our lending business. You'll lead deep-dive investigations into portfolio performance, run A/B tests to move the needle on product, and do predictive work that helps senior leadership make high-stakes decisions fast across the entire lending lifecycle. You'll sit at the technical bridge between Data Engineering, Risk, and Commercial, reading and interpreting data through a commercial lens and telling the story behind the numbers. You'll need to be equally comfortable writing production SQL as presenting findings to the CFO.
Requirements
- Senior-level SQL and Python (Pandas, NumPy)
- Hands-on experience within a modern cloud data warehouse (Snowflake, BigQuery) and mastery of dbt for data transformation and modelling
- Significant experience in a modern UK fintech or high-growth consumer lender
- A proven track record in advanced cohort analysis, portfolio valuations and financial modelling
- Fluency in credit portfolio KPIs, risk metrics (PD, LGD, EAD) and credit bureau data nuances
- Ability to translate complex technical analysis into actionable product or risk interventions
- Fast-paced fintech mindset with full ownership of the analytical lifecycle
Responsibilities
- Lead complex ad hoc investigations into portfolio performance and credit risk drivers
- Propose and set up product experiments on Statsig to improve Credit products, then run the analysis to prove what worked
- Design, build and maintain robust data models in dbt for the credit data layer
- Architect cohort models that drive unit economics, portfolio valuation and LTV projections
- Proactively surface emerging risks and growth opportunities
- Deliver high-density deep-dives for strategic initiatives and present technical findings to senior stakeholders
- Partner with Decision Science and Product squads to integrate data-driven insights into automated underwriting and product features