Description
About Us:
Onmo believes that everyone has the right to access, understand and manage their money with confidence. Our ambition is to improve lives by providing better clarity, intelligence and technology to empower every individual in making the smartest financial decisions. We may be young but we have an incredible team in place and big ambitions for the years ahead.
We design our products to help demystify money matters wherever possible, providing customers with more financial control and flexibility in their lives. This helps them get more from what they have, or with smart decisions, make more of the same. It also means people spend less time with the negative aspects of money and more on the positive - enjoying what the world has to offer.
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 business decisions, improve customer experiences, and creating efficiencies.
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 chipping away at the highest impact areas first, helping develop something great for us and our customers.
About the Role:
You’ll be leading on credit risk initiatives to ensure the business is able to deliver against the annual operating plan and achieve customer focus and ambitions. This means you’ll be instrumental in the development and execution of credit risk team’s roadmap and looking to prioritise tasks to ensure that delivery is met.
Your day-to-day duties will include, but won’t be limited to:
Model Development and Implementation
- Develop predictive models for high impact areas, e.g. credit decisioning, fraud detection, and customer segmentation.
- Ensure data integrity and quality through rigorous validation and auditing processes.
- Conduct appropriate evaluation of scorecard effectiveness, with accompanying documentation.
- Monitor the ongoing effectiveness of scorecards to ensure their relevance and need for re-evaluation.
Analytics
- Design and conduct experiments to test hypotheses and improve decision-making; defining expected outcomes; tracking against these.
- Understand wider process & customer journeys allowing identification for potential improvements that can be quantified through analysis or tests.
- Identify areas where modelling can create uplift in decisions efficiency & costs.
- Explore new data sources & methodologies improving customer journey & decisions.
Controlling Credit Risk
- Propose monitor & analyse credit decisions taking into consideration regulatory environment & customer impact.
- Evaluate granular performance against expectations checking adherence risk appetite & regulatory requirements.
- Define appropriate pricing limits based on risk return principles working closely commercial team understanding market conditions.
About You:
Ways of Working
- Create feed into structured working simplifying onboarding others functioning team.
- Take others with you by sharing your work mentoring creating clear documentation.
- Proactive automation work allowing more time analysis impactful change.
Your Approach
- Self-motivating natural interest understanding how things work fit together.
- Ability switch from working independently collaborating across business ease.
- Happy work growing company where one day does not always look same next everyone rolls sleeves help make things happen.
- Solution orientated drive engage others deliver solutions improving customer experience profitability.
Your Experience
Exposure working varying data sources (bureau openbanking data would plus).
Foundational understanding how credit cards work strong coding skills focus structure automation defining building insightful MI good presentation skills using data tell story ability prioritise workload manage time effectively communicating proactively excited about defining foundations best practices allow automation smart solutions customers tools experience beneficial: Python (required) SQL Power BI good experience using XGBoost Logistic regression models minimum