Credit Data Analyst

Department: Credit

Location: London

Employment Type: FullTime

LemFi (Series B) is building the go-to financial app for the Global South.

Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live.

What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth.

With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity.

The Role

You will be the analytical engine behind our credit decision-making and portfolio performance insights. Your primary focus will be transforming lending data into clear, actionable intelligence that supports underwriting, portfolio management, valuation, and commercial strategy.

You won’t just be producing reports; you will uncover trends, surface risks, and tell the story behind the numbers—helping senior leadership and credit teams make fast, confident, and well-informed decisions across the lending lifecycle.

This is a hands-on, data-driven role at the heart of our lending business, embedded within the Credit function and working closely with stakeholders across Data, Risk, Finance, and Commercial teams.

How You’ll Contribute

• Analyse & Interpret: Perform ad hoc analysis on lending portfolio performance, customer behaviour, credit risk drivers, and product outcomes.

• Build & Report: Design, build, and maintain management dashboards, recurring performance reports, and KPI tracking to support day-to-day and strategic decision-making.

• Cohort & Valuation Analysis: Conduct cohort analysis to inform valuation, product development, and credit strategy, helping the business understand performance over time.

• Identify Risks & Opportunities: Proactively identify trends, emerging risks, and growth opportunities using data-driven insights and clear analytical reasoning.

• Support Strategic Decisions: Deliver deep-dive analysis for strategic initiatives, presenting findings clearly and concisely to senior stakeholders.

• Collaborate Cross-Functionally: Work closely with decision science, underwriting, finance, product, and commercial teams to translate analytical insights into concrete business actions.

• Compliance: Ensure all analysis and reporting aligns with internal standards and regulatory requirements, including FCA and CONC guidelines.

Who You Are

• Data-Driven & Curious: You enjoy exploring data, asking the right questions, and uncovering insights that drive better credit and commercial outcomes.

• Detail-Oriented: You care deeply about accuracy, consistency, and reliability—especially when working with financial and credit data.

• Commercially Minded: You understand how analytics connects to business performance, valuation, and strategy, and you tailor insights to decision-makers.

• Collaborative: You communicate clearly with both technical and non-technical stakeholders, valuing transparency and shared outcomes.

• Adaptable: You thrive in a fast-paced fintech environment, take ownership of your work, and embrace change with a proactive mindset.

What You’ll Bring

• Strong technical expertise in SQL and Python, with hands-on experience in cloud data warehouses and data transformation tools (e.g., dbt).

• Experience within UK consumer lending, fintech, or broader financial services, with familiarity in credit and lending workflows.

• Proven ability to conduct cohort analysis and support valuation or financial modelling for strategic decision-making.

• Solid understanding of credit portfolio KPIs, risk metrics, and lending performance drivers across the credit lifecycle.

• Hands-on experience with credit bureau data and internal credit performance datasets.

• Skilled at translating complex data into actionable insights for senior stakeholders, with a proactive, analytical, and commercially-minded approach.

The Interview Process

1. Chat with a Talent Partner (30 mins)

2. Behaviours & Culture Interview (45 mins)

3. Technical Assignment (60 mins presentation)

4. Final Interview (30 mins)

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Why Join LemFi?

Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this.

At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions.

Our Values: How We Win

• Sharp Customer Focus 🎯 We cut through the noise and prioritize ruthlessly based on what drives real value.

• Lead with Data 📊 We trade instinct for insight. We test, analyze, and own the outcomes.

• Ownership 🤝 We take responsibility for global outcomes, not just local wins.

• Grit 💪 We navigate ambiguity with resilience and keep pushing until the customer feels the impact.
  

You can connect with us on LinkedIn and Instagram and if you haven't already, download the app on the App Store or Google Play.

Diversity & Inclusion at LemFi

To build the best financial tools for the global diaspora, we need a team that reflects the world we serve. We welcome builders from all walks of life who embody our values over a perfect resume.

Don’t meet every single requirement in the job ad? Research shows that candidates from underrepresented backgrounds often hesitate to apply if they don't check every box. If you are excited about this role and our mission, we encourage you to apply anyway. You might be just the right person for this, or other roles.