Senior Product Analyst Credit Products
Tide is a UK-founded fintech business financial platform providing banking and financial-management services to small businesses and sole traders.
About Tide
Tide Platform Limited operates Tide, offering business accounts, payments, accounting and tax tools, savings, payroll, and business finance. Tide is FCA-authorised for electronic-money and payment services and is not itself a bank; its business bank accounts are provided through partner banks including ClearBank.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will analyse credit-focused data to generate actionable insights for lending strategy. You will monitor credit-risk KPIs, identify performance trends, recommend risk mitigations, collaborate with product managers and developers on credit products, and prepare reports and presentations for senior stakeholders.
Requirements
- 4+ years of experience as a credit-focused analyst or data scientist at a fintech or bank
- Expert SQL proficiency
- Experience navigating complex data warehouse relationships
- Credit data analysis
- Ability to operate independently
- Ability to manage ambiguity and competing objectives
Responsibilities
- Analyse lending product performance and generate actionable recommendations
- Monitor and optimize credit-risk KPIs
- Develop strategies that mitigate risk while supporting business growth
- Inform the development of new credit products with data-driven insights
- Prepare reports and presentations for senior management and stakeholders
- Communicate findings and recommendations
- Track data analytics tools, methodologies, and industry trends
- Improve data analysis processes and credit product offerings
Benefits
- Flexible working arrangements
- Remote work from home or elsewhere in the home country
- Work from another country for 90 days per year
- Vitality health insurance
- Employee Assistance Programme
- 12 casual leaves
- 15 privilege leaves
- Professional learning and development budget
- Office snacks
- 24 hours of paid volunteering time off per year
- Hybrid working
- Sabbatical leave