Senior Data Analyst

ABOUT TIDE

At Tide, we are building a finance platform designed to save small businesses time and money. We provide our members with business accounts and related banking services, but also a comprehensive set of connected administrative solutions from invoicing to accounting.

Launched in 2017, Tide is now used by over 1 million small businesses across the world and is available to UK, Indian and German SMEs. Headquartered in central London, with offices in Sofia, Hyderabad, Delhi, Berlin and Belgrade, Tide employs over 2000 employees.  

Tide is rapidly growing, expanding into new markets and always looking for passionate and driven people. Join us in our mission to empower small businesses and help them save time and money.  

ABOUT THE ROLE :

As a Senior Analyst – Credit Products you’ll work closely with Tide’s credit product teams to shape credit product and risk decision making.  This role will suit an individual that can operate with a high degree of independence and has hands-on experience of proactively taking initiative to uncover insights from data.

As a key member of our team, your role will go beyond merely generating reports; you will be expected to extract meaningful insights from data, enabling informed decision-making that drives our lending strategy. If you have a keen ability to decipher complex credit focused data sets and transform them into actionable insights that guide our decision making, we encourage you to apply for this position and help shape the future of SME lending.

Some of the things you’ll be doing: 

• Data Analysis & Insight Generation: Utilize advanced analytics to derive meaningful insights from complex data sets. Focus on analyzing lending product performance, identifying trends, and providing actionable recommendations.
• Credit Risk Management: Monitor and optimize key performance indicators (KPIs) related to credit risk. Develop strategies to mitigate risk while supporting business growth.
• Marketing Campaign Performance Analysis: Evaluate the effectiveness of marketing campaigns across channels by analyzing key metrics such as engagement, conversion rates, funnel performance and ROI. Provide actionable insights to optimize future strategies.
• User Behavior Insights: Leverage data analytics to understand user behavior patterns, segment audiences, and identify opportunities to enhance customer experiences and drive business growth.
• Collaboration with Credit Product Teams: Work closely with product managers and developers to inform and guide the development of new credit products. Use data-driven insights to influence product strategy and design.
• Reporting & Communication: Prepare comprehensive reports and presentations for senior management and stakeholders. Clearly communicate findings and recommendations.
• Continuous Learning & Improvement: Stay abreast of industry trends and advancements in data analytics tools and methodologies. Continuously seek ways to improve our data analysis processes and credit product offerings.

WHAT WE ARE LOOKING FOR:

• You to have 4+ years of experience working as a credit focused analyst or data scientist at a fintech or bank.
• You have expert SQL proficiency and can navigate complex data warehouse relationships
• You to have proficiency in data visualization tools (e.g., Looker, Power BI) and advanced Excel skills.
• You to have strong expertise in Python for data analysis, modeling, and visualization, with experience using libraries like Pandas, NumPy, and Matplotlib/Seaborn.
• You are a self starter who takes initiative and can operate with a high degree of independence. 
• You have the ability to deal with ambiguity and competing objectives in a fast paced environment.

WHAT YOU WILL GET IN RETURN: 

Make work, work for you! We are embracing new ways of working and support flexible working arrangements. With our Working Out of Office (WOO) policy our colleagues can work remotely from home or anywhere in their home country. Additionally, you can work from a different country for up to 90 days a year. Plus, you’ll get:

• Competitive salary 
• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing through Plumm
• Learning & Development Budget
• WFH Setup allowance
• 25 Annual leaves
• Family & Friendly Leaves

TIDEAN WAYS OF WORKING:

At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams. While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community.

TIDE IS A PLACE FOR EVERYONE

At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives. 

We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.

At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members’ diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.

You personal data will be processed by Tide for recruitment purposes and in accordance with Tide’s Recruitment Privacy Notice.