Job Description
At Tymit our mission is to give people the self-confidence to live life to the fullest by offering them credit that's smart, flexible and honest.That's why we launched the world's first instalment credit card – and why we're now partnering with only the most iconic brands to bring the next generation of instalment experiences to their customers.We believe that everyone deserves financial peace of mind, that credit should only work for you, and that tech will continue to transform the way to shop, pay and manage our spending.Our talented and growing team is based in the UK, Spain and Greece, and we're all committed to creating a diverse, fun work environment, with collaboration and the customer at the core of everything we do.Following our £23m Series A round, closed in October 2022 and led by Frasers Group, we're focused on our next phase of growth - and creating the future of instalment experiences.Compensation & Perks The salary range of this role is up to £70,000 per annum depending on experience. 25 days of paid holiday plus bank holidays. Your birthday off. Tymit allows remote working, with occasional travel to our London Office (Paddington) when required. If your preference is working from our office and working onsite with other Tymiteers, we have you covered with our Madrid and London offices.⏰ Flexible working hours. Additional days to attend conferences and workshops when related to technology and/or events related to Tymit’s industry and sector. Budget for remote home expenses. Learning & Development yearly budget with flexibility to expend it in different courses/platforms/events, always in partnership with your Lead. Private health insurance. Referral program. 6 months free-interest for all Tymiteers in our Tymit card. Budget for your home office set up.What would be your roleWe are looking for a Senior Credit Risk Manager who will help Tymit enable safer use of our credit card and protect our network from losses. You will use your industry expertise and analytical abilities to improve our detection and mitigation mechanisms in this role. You will drive Tymit’s risk decisions with the use of data. In addition, you will build risk models and frameworks that will help you understand better the current and future portfolio of Tymit.If you are looking to join a fast-paced, energetic and passionate team with room for professional growth - Tymit may be an excellent fit for you!During your time at Tymit you willOwning the development, implementation and maintenance of credit and fraud risk models, MI platforms, and quantitative risk approaches for use throughout Tymit’s Card Portfolio.Developing analytical capabilities within Tymit to design, monitor and running complex projects to support the enhancement of credit risk strategies and policies.Liaising with relevant internal stakeholders for extraction of requisite data for scorecard/model development and MI production.Conceptualising stress tests and scenario analysis to evaluate portfolio risk and developing strategies for risk prevention / mitigation across the portfolio.Contributing to the production of advanced and insightful analytics and MI with regular use of programming languages.Work collaboratively with technical and non-technical stakeholders to deliver insights to support the broader business operations.Maintain focus on improving our customer experience.Work cross-functionally with Operations, Customer Experience and Product Teams to iterate on our current processes and systems to quickly mitigate risk.Continually explore and iterate tools and methodologies to improve our operational risk processes and efficiency.What you will bring along5+ years worked in banking, financial services or credit risk consultancy including knowledge of UK CRA data and tools used in digital lending (e.g., Open Banking)Good understanding of unsecured retail portfolios. Experience in the credit card industry would be ideal.Strong background in credit risk, fraud and compliance, with an understanding of the current regulatory environment.Advanced user of programming languages such as SAS, SQL, R, Python, etc. and have the ability and willingness to set up internal training for programming and data management techniques.Experience with data visualization tools to create meaningful dashboards.You enjoy solving tough challenges and can communicate effectively at all levels, building cross-functional relationships with teams outside of the function.What you can expect from our hiring processStage 145 min. video call with Carla part of Tymit’s People team. Understand your career plan and what motivates you about Tymit and give you a sneak peek of what it’s like to be working at Tymit.Stage 260 min. video call with Bis, Head of Credit Risk. Discussions around your previous experiences including a technical interview to better understand your skills and give you a sneak peek of what’s like to be working in Credit Risk at Tymit.Stage 330 min. video-call with Raj, CRO. Discussions around your previous experiences to better understand your skills.Stage 4 – Offer To meet our regulatory obligations as a licensed financial services company in the UK, Tymit needs to take background checks, Criminal and Credit checks, our new hires to help us safeguard our users.If you have any concerns regarding this process, please discuss this with our People Team.Tymit is made up of people from a wide variety of backgrounds, and you are welcome for who you are, no matter where you come from, what you look like. We seek to create a culture where everyone can belong because we believe that people do their best work when they can show up every day as their authentic selves. So, bring us your personal experience, your perspectives, and your background.We do not make hiring or employment decisions on the basis of race, religion, age, national origin, gender, gender identity, or expression, sexual orientation, marital status, disability, pregnancy status or any other difference. If you have any disability, please let us know whether there are any adjustments we can make for our process to be more inclusive.