Head of New Business Originations (NBO) Analytics

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About JAJA

Jaja is a consumer finance business, launching its first product, a digital credit card, in 2018. Since then it has grown rapidly and has recently completed the acquisition of a multi-million credit card portfolio. With backing from several major Private Equity funds, Jaja has an ambitious growth strategy that includes providing consumer finance in partnership with leading consumer brands, with a number of partnerships secured alongside an exciting pipeline of opportunities.

Jaja is on a mission to redefine the consumer finance experience and liberate customers from needless complexity, wasted time, and frustration. Or as we say it, Make Simple. We will delight our customers - making the customer experience simpler, more enjoyable, more intelligent - treating customers fairly and giving them more control of their money.

Job Description:

• Drive improvements and growth in decision strategy for New Business Origination.

• Responsible for risk decision, limit allocation, and pricing.

• Deliver analytical thought leadership and end-to-end, in-depth analytical delivery for New Business Origination programs at Jaja.

• Partner effectively with Commercial, Ops, Tech, Finance, and Reg teams to deliver investor returns as well as an exceptional customer experience in line with all regulatory frameworks.

• Manage a team of analysts and partner with a team of Data Scientists to deploy and leverage statistical and financial models that deliver highly optimized and controlled New Business Origination programs.

• Own and update models, strategies, policies, and procedures and be able to present and defend them to stakeholders - internal as well as external (regulators and investors).

Technical Skills:

• Deep understanding of spreadsheet modelling: Excel/VBA.

• Comfort with large datasets and ability to extract information from them: SQL, Python/R/SAS.

• Demonstrated comfort in data-rich environments and packages: Alteryx/AWS/DBT/Tableau/Power BI.

• Must have strong coding skills and understanding of data structures.

• Objective is not detailed knowledge of all of the packages/languages etc listed above but demonstration of a detailed capability with multiple examples above that indicate high skill levels in this field as well as an ability to adapt and learn.

Key Skills:

• Leading by example and rolling up sleeves to get things done.

• Deep conceptual and technical understanding of Credit Risk, Analytics, Statistical Model deployment and use demonstrated prior analytical/first-line risk experience in the Card industry.

• Deep conceptual and commercial understanding of New Business Origination programs and unit economics.

• The ability to prioritize workloads and manage time effectively.

• Comfortable using direct language and speaking in a straightforward yet respectful manner to save people's time and simplify everyone's workday.

• Self-motivated and can switch between working independently to collaborating as a team with ease.

• 8+ years experience in Credit cards.

• Prior Management Experience in Analytics / Risk. Two direct reports - no previous management experience needed, however mentoring & previous project lead experience necessary.

Personal qualities

• Commercial and Delivery oriented mindset with ability, and willingness to collaborate and negotiate

• Control mindset, keeping within risk and regulatory appetite, with a keen eye for marginal economics

• Self-motivated, with willingness to get involved in the nitty gritty and tenacity to get the job done

• Well-Organized and can manage delivery timelines and outcomes in a fast paced environment

• Innovative and Analytical approach

You should apply if

• You care deeply about helping customers manage their money smarter and want to make a tangible impact, in an outdated consumer finance industry, by applying technology and processes to make things simple

• You are a reliable and structured professional who excels in a flat team structure where trust, integrity, and collaboration are the key foundation for everything, we do

• You are comfortable using a direct language and speaking in a straightforward yet respectful manner to save peoples' time and simplify everyone's workday

• You love rolling up your sleeves to get it done

• What we're doing at Jaja excites you!

Culture

Jaja are in the simplicity business and they are building a team who look at the world a little differently. People that look at the needlessly complicated and are bold enough to challenge convention. And brilliant enough to actually change it.

What's in it for you?

• The chance to make a real impact in a growing start-up on a mission

• Significant levels of responsibility and exposure at an early stage of your career

• Competitive salary& benefits including pension