Data Analyst – Credit

About our Company:

LemFi (YC S21, Series B) is revolutionizing cross-border financial services for immigrants through its multi-currency platform, processing over $1 billion in monthly transactions. We provide instant remittances, foreign exchange services, and multi-currency accounts, all in one seamless experience.

With 300+ employees across 15+ countries, our platform supports twelve currencies and integrates directly with local banks and mobile money providers, ensuring fast, low-cost transactions. But we’re not stopping at payments. LemFi is building a comprehensive financial ecosystem empowering immigrants with the financial tools they need to thrive—wherever they go.

Our vision: To build the first full-stack financial services hub for the world’s immigrant population. 🚀

Who you are:

You are someone who thrives in a fast-paced fintech environment where honesty and transparency are the foundation of how we work. You take ownership of your responsibilities and approach challenges with proactiveness. You believe that great results come from strong collaboration and open communication, and you embrace change with adaptability. At LemFi, we strive for excellence in everything we do — you share that mindset, combining dedication to your craft with a commitment to the success of your team and the satisfaction of our customers.

Job Summary:

We are looking for a Credit Analyst who will deliver actionable insights through ad hoc portfolio analysis, management reporting, dashboarding, and cohort analysis. Your work will directly influence commercial strategy, support valuation, and provide senior leadership with the clarity to make high-impact decisions

This is a hands-on, data-driven role at the heart of our lending business, ideal for someone who thrives on turning data into commercial value. You will join our growing Data team, with your focus dedicated to work with the Credit business unit.

Key Responsibilities:

• Perform ad hoc analysis of lending portfolio performance, customer behaviour, and risk drivers.
• Build and maintain management dashboards and regular portfolio performance reports.
• Conduct cohort analysis to inform valuation, product development, and credit strategy decisions.
• Identify trends, emerging risks, and new business opportunities using data-driven insights.
• Support strategic projects with deep-dive analytics and clear presentation of findings.
• Collaborate with decision science, underwriting, finance, and commercial teams to translate analysis into business actions.
• Ensure reporting and analysis comply with internal and regulatory standards (FCA, CONC)

Requirements:

• 1–3 years’ experience as a credit analyst, portfolio analyst, or similar role within UK consumer lending, fintech, or financial services
• Strong proficiency in SQL & Python, experience with cloud data warehouses and data transformation frameworks like dbt.
• Ability to perform cohort analysis and support valuation or financial modelling.
• Good understanding of credit portfolio KPIs and risk metrics.
• Experience working with credit bureau data or credit performance datasets.
• Analytical mindset, attention to detail, and ability to interpret and present complex data clearly.
• Proactive, commercially minded, and able to work independently to deadlines