Credit & Reporting Analyst

We are hiring a Credit & Reporting Analyst within the Lending team. This is a 'front line' role, shaping the way we lend and manage our loan portfolio. Lending is a key focus for the bank, we have an operational business and some ambitious goals to scale in the next year. This role is integral to supporting our lending strategy: focused on returns and profitability, alongside sound credit risk management. What you'll do

• Channel analysis: get into the weeds to understand our various customer acquisition channels - exploring the relative creditworthiness, costs, and scale of each.
• Credit analysis: conduct thorough reviews of credit decisioning, assessing creditworthiness, affordability measurement and outcomes.
• Portfolio monitoring: monitor the performance of the lending portfolio, spotting trends and risks across various segments, and recommending actions to mitigate potential issues.
• Credit reporting: prepare detailed reports and analytics on credit risk, portfolio performance and key risk indicators, delivering insights to support informed business decisions.
• Stakeholder reporting: develop and manage reporting with others, internally and externally, who need an accurate view on our performance and trends.
• Collaboration: work with colleagues in data, product, engineering, finance, operations and compliance - basically, everyone.
Process improvement: be on the lookout for opportunities to improve credit review processes and reporting methodologies, so we can make better lending decisions.


• Experience in credit analysis and portfolio risk measurement, preferably in a consumer lending environment. We believe a first-principles understanding will help guide your work.
• Proficient in data analysis tools (SQL is a must). We have rapidly growing datasets and will need you to navigate those using the most practical and efficient tools.
• Strong analytical and problem-solving skills, able to interrogate a dataset and identify patterns of interest. We're here to support and work collaboratively whenever needed but you should be able to approach abstract problems.
• Reporting experience - we use Lightdash, but SQL and any experience with tools such as Tableau will be helpful. Problem solving is only part of the need; presenting the observations clearly and succinctly is as important.
• Startup or scaleup experience is a plus, gumption and proactive attitude are essential. In smaller, rapidly growing businesses like ours it's important that you take steps to solve or work around problems and not just point at them.
• Familiarity with UK lending regulatory requirements is a plus (FCA, PRA, and GDPR compliance).
  
  Kroo has a big vision. To be the first bank that is both trusted and loved by its customers. We're helping people take control of their financial future and achieve their goals, whilst making a positive impact on the planet. Here at Kroo, doing what is right is in our DNA. We act with integrity, transparency and honesty. We think big, dream big, and relentlessly pursue our goals. We like to be bold, break new ground, and we never stop learning. But most importantly, we are on this journey together.
  
  1. People screen interview
2. First meeting with the team 3. A case study 4. Management meeting Please let us know if you have any specific requirements or need assistance so we can be as accommodating as possible for you. Benefits What we offer: At our cutting-edge fintech company, we know that attracting and retaining the best talent means offering top-notch benefits that help our employees thrive both in and outside of work. Check out what we currently offer:
• Generous holiday time: 25 days annual leave, 8 bank holidays, 1 Kroo bank holiday (June 24th), and 1 day off during the week of your birthday.
• Personal days: We know that life can be unpredictable, so we offer 3 personal days to use as needed.
• Employer-sponsored volunteer program: We're passionate about giving back to our community, and we support our employees in doing the same with up to 4 hours per month of employer-sponsored volunteer time.
• Mental health support: We care about the mental health of our team members and offer access to Spill, our mental health support partner.
• Workplace pension: We want you to feel secure about your future, so we offer a workplace pension with a 5% employee contribution and a 3% employer top-up.
• Top-notch equipment: We provide top-of-the-line equipment necessary for smooth hybrid work, including a Mac laptop. Additionally, we also offer support in establishing your home office by contributing towards your setup if required.
• Modern office: When you're in the office, you'll enjoy access to our modern, bustling workspace in Central London.
• Cycle to Work scheme: We encourage sustainable transportation with our Cycle to Work scheme.
• Electric Car scheme: We're committed to reducing our carbon footprint, and our Electric Car scheme makes it easy for our employees to do the same.
• Enhanced parental leave: We know that family comes first, and we offer an enhanced parental leave policy to support our employees in starting and growing their families.
• Room for growth: As a fast-paced, high-growth start-up, we're dedicated to providing our employees with room to grow and excel.
• You get full healthcare for you and your nuclear family via Vitality.
Hybrid Working: At Kroo Bank, we have a hybrid policy that gives both individuals and teams a lot of freedom when it comes to using the office space to boost productivity. Our London office is a great resource when used effectively. So, employees who can occasionally come to the office are a good fit for how we work right now. Keep in mind that this job involves working from Monday to Friday, with a mix of remote and office work, so you won't need to be on-site all the time. Diversity and Inclusion: We wholeheartedly uphold our commitment to fostering a diverse and inclusive workplace. Every employee is highly regarded, respected, and supported without any form of judgement or prejudice. We consider Diversity, Equality, and Inclusion as fundamental pillars guiding our path in all aspects of our bank. We also ensure that reasonable adjustments are made available to all candidates throughout the recruitment process.