Hybrid role based in London

Role overview

As a Senior Credit Analyst at Uncapped, you’ll play a key role in shaping our credit strategy for a rapidly scaling small-ticket lending portfolio. Working closely with the Head of Credit Strategy and Analytics, you’ll bring deep analytical expertise, strong business acumen, and a passion for using unconventional data sources to inform smarter lending decisions.

This is a high-impact position for someone excited by fast-moving fintech, eager to build smarter credit systems, and ready to contribute strategically to portfolio growth, risk management, and product evolution.

In this position, you will apply your analytical skills to continuously improve our credit strategies. You should have 4-6 years of experience in credit risk and analytics within fintech or banking, specifically in consumer or SME lending.

About Uncapped

Founded in 2019,Uncappedis a fintech company focused on providing working capital to SMEs in North America and Europe.

We leverage multiple data sources to make credit decisions faster, safer and more conveniently. We are working with the largest platforms in the world, including Amazon and Walmart, and strive to be the best alternative-lender globally.

What will you do ️

• Drive Credit Strategy Development: Own and evolve credit strategy across the customer lifecycle by assessing performance and implementing changes to policy, approval cut-offs, credit limits, and pricing models to optimise risk-adjusted returns.
• Monitor and Improve Portfolio Performance: Continuously track key credit metrics, cohort performance, and early warning indicators to identify emerging risks and opportunities. Recommend tactical or strategic changes to mitigate loss rates and drive portfolio profitability.
• Refine Underwriting Scorecards: Collaborate with Data Science teams to design, test, and deploy new scorecards and scorecard-driven strategies in our automated credit systems.
• Leverage Alternative Data: Analyse structured and unstructured data from e-commerce platforms, open banking, and other non-traditional sources to improve underwriting precision and customer segmentation.
• Drive Pricing Optimisation: Support the development of dynamic, risk-based pricing models to ensure alignment between credit risk, customer lifetime value, and revenue objectives.
• Design and Run Experiments: Structure A/B tests and pilots to evaluate the impact of changes in credit policy, eligibility criteria, and pricing strategies.
• Collaborate Across Functions: Partner with teams in Product, Engineering, Sales, and Operations to ensure credit strategy aligns with customer experience, operational capabilities, and commercial goals.

Who you are

• Analytically Exceptional: You have a strong academic foundation, ideally with a degree in Mathematics, Statistics or Data Science. You bring know-how of credit risk analytics, scorecard development, and data-driven strategy design.
• Technically Proficient: You have strong hands-on coding skills in SQL and Python, and knowledge of advanced data science tools and libraries. You're adept at using traditional statistical methods, with exposure to machine learning a strong plus.
• Innovative with Data: You're naturally curious and creative, able to uncover value from unconventional data sources like e-commerce and open banking feeds to improve underwriting, pricing, and segmentation.
• Commercially Sharp: You combine technical skills with sound business judgment, understanding how credit decisions impact profitability, customer experience, and long-term portfolio health.
• Clear Communicator: You translate complex analyses into simple, compelling narratives and collaborate effectively with stakeholders across Product, Engineering, Risk, and Operations.

What we offer

At Uncapped, our people make us successful. We are a start-up with big goals, and we work hard, so we want to give everyone the benefits they really want. We are continually adding to this list as new people join -- here are some of the things you can expect:

• Unlimited holiday: we believe that well-rested and happy people make the best employees
• Competitive compensation plan
• Personal growth fund: Raise your game from great to spectacular
• Monthly recognition and awards: Celebrate wins big and small
• The opportunity to make a big impact every day on the lives of European and US entrepreneurs.
• Workspaces in Warsaw, London and Atlanta

We can only consider applications from candidates who are eligible to work in the UK without requiring visa sponsorship.