Lemfi
Product Analyst - Credit
1mo ago
EuropeRemotesqla/b testingdata analysispredictive analytics
Analyze and drive strategy for credit product performance in a financial app for immigrants.
Responsibilities
- Credit is the heartbeat of our lending business. As a Product Analyst, you'll be the analytical engine driving the strategy that scales it. This means deep-dive investigations into portfolio performance, A/B testing to move the needle on product, and the kind of predictive work that lets senior leadership make high-stakes decisions fast, across the entire lending lifecycle.
- You're embedded in the Credit function but sit at the technical bridge between Data Engineering, Risk, and Commercial. You won't just pull data. You'll read it, interpret it through a commercial lens, and tell the story behind the numbers. You need to be equally comfortable writing production SQL as you are presenting findings to the CFO.
Requirements
- Senior-level SQL and Python (Pandas, NumPy). You manipulate and analyse data with precision and efficiency.
- Hands-on experience within a modern cloud data warehouse (Snowflake, BigQuery) and genuine mastery of dbt for data transformation and modelling.
- Significant experience in a modern UK fintech or high-growth consumer lender. You understand the credit product lifecycle beyond traditional credit reporting.
- A proven track record in advanced cohort analysis, portfolio valuations and financial modelling that have informed executive decisions.
- Fluency in credit portfolio KPIs, risk metrics (PD, LGD, EAD) and the nuances of credit bureau data.
- You translate complex technical analysis into actionable product or risk interventions that move the needle on business performance.
- Fast-paced fintech mindset. You take full ownership of the analytical lifecycle and build scalable solutions, not quick fixes.
Nice to have
- Hands-on experience with Statsig or similar experimentation platforms.
- Familiarity with FCA and CONC regulatory frameworks.
- Direct experience building or optimizing automated underwriting or credit decisioning systems.
Conditions
- Love shouldn’t be expensive, yet those working hardest for their families often face predatory fees and banking exclusion. We're changing this.
- At LemFi, you won’t be just a cog in a machine. Whether designing products, scaling operations, or telling our story, you’ll tackle complex challenges with real, immediate impact. Your work goes beyond metrics - it puts money back in families’ pockets and offers access to the previously excluded. Join us to make a meaningful difference, where high performance is a lifeline for millions. You can connect with us on LinkedIn and Instagram and if you haven't already, download the app on the App Store or Google Play .
Other
- LemFi (Series B) is building the go-to financial app for the Global South.
- Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live.
- What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth.
- With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity.
- Lead complex ad hoc investigations into portfolio performance and credit risk drivers, moving past surface-level metrics to uncover the hidden trends that matter.
- Propose and set up product experiments on Statsig to improve Credit products based on analytical findings, then run the analysis to prove what worked.
- Design, build and maintain robust data models in dbt, ensuring the credit data layer is scalable, version-controlled and optimized for speed.
- Architect cohort models that drive unit economics, portfolio valuation and LTV projections. The kind of analysis that informs long-term strategy.
- Proactively surface emerging risks and growth opportunities. Move from "what happened" to "what will happen" through rigorous analytical reasoning.
- Deliver high-density deep-dives for strategic initiatives. Present technical findings with clarity and a clear "so-what" for senior stakeholders.
- Partner with Decision Science and Product squads to make sure data-driven insights flow seamlessly into automated underwriting and product features.