Head Of ECM Analytics

About Jaja   

Jaja is a consumer finance business, launching its first product, a digital credit card, in 2018. With backing from several major Private Equity funds, Jaja has an ambitious growth strategy that includes providing consumer finance in partnership with leading consumer brands, with a number of partnerships secured alongside an exciting pipeline of opportunities.  Jaja is on a mission to redefine the consumer finance experience and liberate customers from needless complexity, wasted time, and frustration. Or as we say it, Make Simple. We will delight our customers – making the customer experience simpler, more enjoyable, more intelligent – treating customers fairly and giving them more control of their money.  

Our Mission: To be the UK’s Digital Lender of Choice   

Our Company Values: Collaboration, Excellence, Innovation, Empathy, Passion   

Why join us?    

This is a chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever. 

We have a collaborative team structure fuelled by an exciting mix of people welcoming both experienced people from the industry with both feet on the ground and tech-savvy dreamers who pave way for the new stuff. Come as you are and be yourself!

Key Accountabilities:

• Deliver Analytical Thought Leadership and end-to-end, in-depth Analytical delivery for Credit Card Existing Customer Management Programs at Jaja (CLIs, BTs, CLDs etc)
• Partner effectively with Commercial, Ops, Tech, Finance and Reg teams to deliver investor returns as well as an exceptional customer experience in line with all regulatory frameworks
• Manage a team of ECM analysts and partner with a team of Data Scientists to deploy and leverage statistical and financial models that deliver highly optimized and controlled ECM programs
• Own and update models, strategies, policies and procedures and be able to present and defend them to stakeholders - internal as well as external (regulators and investors)

Technical Skills:  

• Deep understanding of spreadsheet modelling: Excel/VBA
• Comfort with large datasets and ability to extract information from them: SQL, Python/R/SAS
• Demonstrated comfort in data rich environments and packages: Alteryx/AWS/DBT/Tableau/Power BI
• Must have strong coding skills and understanding of data structures
• Objective is not detailed knowledge of all of the packages/languages etc listed above but demonstration of a detailed capability with multiple examples above that indicate high skill levels in this field as well as an ability to adapt and learn

Key Skills: 

• Leading by example and rolling up sleeves to get things done

• Deep conceptual and technical understanding of Credit Risk, Analytics, Statistical Model deployment and use demonstrated prior analytical/first-line risk experience in the Card industry

• Deep conceptual and commercial understanding of Card ECM programs and Card unit economics

• The ability to prioritise workloads and manage time effectively

• You are comfortable using a direct language and speaking in a straightforward yet respectful manner to save peoples´ time and simplify everyone´s workday.

• Self-motivated and can switch between working independently to collaborating as a team with ease

• 8+ years experience in Credit cards

• Prior Management Experience in Analytics / Risk Two direct reports – no previous management experience needed, however mentoring & previous project lead experience necessary.

Personal qualities 

• Commercial and Delivery oriented mindset with ability, and willingness to collaborate and negotiate
• Control mindset, keeping within risk and regulatory appetite, with a keen eye for marginal economics
• Self-motivated, with willingness to get involved in the nitty gritty and tenacity to get the job done
• Well-Organized and can manage delivery timelines and outcomes in a fast paced environment
• Innovative and Analytical approach

You should apply if 

• You care deeply about helping customers manage their money smarter and want to make a tangible impact, in an outdated consumer finance industry, by applying technology and processes to make things simple

• You are a reliable and structured professional who excels in a flat team structure where trust, integrity, and collaboration are the key foundation for everything, we do

• You are comfortable using a direct language and speaking in a straightforward yet respectful manner to save peoples´ time and simplify everyone´s workday

• You love rolling up your sleeves to get it done

• What we’re doing at Jaja excites you!

What's in it for you?    

• The chance to make a real impact in a growing start-up on a mission to change the face of the consumer finance industry forever.

• Competitive salary

• Remote Hybrid working model

• Bonus scheme

• Annual Salary Review

• 4x life insurance cover

• Optional private health care

• Employee assistance program

• Annual staff get together

• 25 day holiday allowance plus UK bank holiday

• Pension Contributions

Fair Processing Notification

The personal information we have collected from you will be shared with Cifas who will use it to prevent fraud, other unlawful or dishonest conduct, malpractice, and other seriously improper conduct. If any of these are detected you could be refused certain services or employment. Your personal information will also be used to verify your identity. Further details of how your information will be used by us and Cifas, and your data protection rights, can be found by [https://www.cifas.org.uk/fpn].