Performance Analyst

2 weeks ago

London Area, United Kingdom Fintellect Recruitment Full time

About the Company

Our client is the UK's newest credit card provider that will deliver a range of fair, flexible and easy to use financial services products to UK consumers. We help people make smarter decisions with money, so they can get more out of life. Joining at the start of our journey, creates a unique opportunity to have a significant impact and influence foundational decisions, whilst creating the opportunity for you to grow in your career alongside the growth of the company. We have a solid model framework in place, but are nimble enough to explore innovative ways of working and thinking. This role will have a diverse set of responsibilities, with a focus on leveraging data to drive short term and longer term priorities. Working at a fintech means there is always a lot to do, but you would be part of a wider team that is focused on developing something great for us and our customers.

Responsibilities of the Portfolio Performance Analyst

  • Performance Monitoring & Analysis: Lead the ongoing monitoring and analysis of portfolio performance, focusing on key metrics such as balance growth, arrears performance and revenue repayment. Identify trends, opportunities, and areas for improvement to drive better outcomes for the business.
  • Cohort Performance Tracking: Develop and maintain cohort-based analysis to understand the behaviour and profitability of customer groups over time. Track key performance indicators (KPIs) at the cohort level, including the drivers behind balance, loss and yield.
  • Unit Economics Forecasting: Create and manage financial models to forecast the unit economics of customer cohorts, assessing the profitability and sustainability of different segments. Work with inputs from across the business, specifically commercial and finance to create a holistic portfolio outlook.
  • Portfolio Performance Insights: Provide detailed insights into portfolio performance, focusing on customer segments, product usage, and financial outcomes. Support the commercial team to optimise the product offering and ensure the portfolio is aligned with company objectives and funding triggers.
  • Reporting & KPIs: Develop and implement robust reporting frameworks to track the performance of key metrics. Provide regular updates on portfolio performance, highlighting trends, challenges, and opportunities to senior leadership and cross-functional teams.
  • Scenario Modelling & Sensitivity Analysis: Build scenario models to evaluate the potential impact of various business strategies on cohort performance and unit economics. Use sensitivity analysis to assess how changes in acquisition costs, retention rates, and product usage affect overall portfolio profitability.
  • Risk Management & Mitigation: Identify potential risks to portfolio profitability and customer outcomes. Work closely with risk management teams to ensure the portfolio remains sustainable and aligned with financial and regulatory guidelines.
  • Forecasting & Financial Impact: Lead the forecasting efforts for future portfolio performance, making recommendations based on expected changes in customer behaviour, product trends, and market conditions. Provide strategic insights into the financial impact of decisions at the portfolio level.
  • Stakeholder Communication & Reporting: Communicate complex analysis and forecasts in clear, actionable terms to senior leadership and stakeholders. Present key findings, risks, and opportunities in a way that informs strategic decisions related to portfolio and cohort management.

About you

Ways of Working

Proactive automation of work, to allow more time for analysis. Keeping updated documentation, to allow sharing of work and knowledge. Using checks and balances to make sure outputs are correct.

Your Approach

Self-motivating, with a natural interest in understanding how things work and fit together. Eye for detail and pro-active engagement with others (across the company or externally) when additional information is needed. Happy to work at a growing company, where one day does not always look the same as the next and everyone rolls up their sleeves to help make things happen.

Your Experience

  • Strong understanding of credit cards and profitability
  • Strong coding skills (e.g. Python / SQL), with a focus on structure and automation
  • Experience building insightful MI and practical forecasting models
  • Good presentation skills, using the data to tell a story
  • Ability to prioritise workload and manage time effectively, communicating proactively
  • Excited about defining the foundations and providing insights that will influence the direction of the business.

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