Product Analyst - Credit

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.

The Role

You will be the Analytical Engine driving our credit strategy and portfolio performance with Senior Product Management. As a Product Analyst, your primary focus is crafting deep-dive analyses for the high-leverage intelligence and product experimentation used to scale our credit products.

In this role you will be helping shape the credit roadmap. By uncovering hidden trends and surfacing leading risk indicators, you will tell the story behind the numbers, propose product improvements, empowering senior leadership s to make high-stakes, fast-paced decisions across the entire lending lifecycle.

This is a high-impactindividual contributor role in the Data team embedded within the Credit function and acting as a technical bridge between Data Engineering, Risk, and Commercial teams.

How You’ll Contribute

• Advanced Analytics & Modeling: Lead complex, ad hoc investigations into portfolio performance and credit risk drivers, using SQL to move beyond surface-level metrics.

• Product A/B Testing: propose and set up product experiments on Statsig to improve Credit product for our customers based on analytical findings

• Modern Data Stack Ownership: Design, build, and maintain robust data models in dbt, ensuring our credit data layer is scalable, version-controlled, and optimized for performance.

• Strategic Cohort & Valuation Analysis: Architect sophisticated cohort models to drive unit economics, portfolio valuation, and LTV projections that inform our long-term commercial strategy.

• Predictive Insights: Proactively identify emerging risks and growth opportunities, moving from "what happened" to "what will happen" through rigorous analytical reasoning.

• Stakeholder Influence: Deliver high-density deep-dives for strategic initiatives, presenting technical findings with clarity and commercial "so-what" to senior stakeholders.

• Cross-Functional Leadership: Partner with Decision Science and Product squads to ensure data-driven insights are seamlessly integrated into automated underwriting and product features.

• Regulatory Rigor: Maintain the integrity of our analytical frameworks, ensuring all outputs align with internal standards and FCA/CONC guidelines.

Who You Are

• Analytical Strategist: You don’t just pull data; you interpret it through a commercial lens to drive better credit outcomes.

• Technical Craftsman: You advocate for clean code, automated workflows, and the "Modern Data Stack" philosophy over legacy manual reporting.

• Precision-Focused: You understand that in credit, accuracy is non-negotiable. You bring a rigorous approach to data validation and financial logic.

• Effective Communicator: You can navigate a technical discussion with Data Engineers and then pivot to a strategic briefing with the Head of Credit or CFO.

• Fintech Native: You thrive in fast-paced environments, take full ownership of the analytical lifecycle, and prefer building scalable solutions over quick fixes.

What You’ll Bring

• Senior-Level Technical Stack: Expert proficiency in SQL and Python (Pandas, NumPy, etc.) for data manipulation and analysis.

• Modern Data Tooling: Hands-on experience working within a cloud data warehouse (e.g., Snowflake, BigQuery) and a strong mastery of dbt for data transformation and modeling.

• Fintech Credit Expertise: Significant experience within a modern UK fintech or high-growth consumer lender, with a deep understanding of the credit product lifecycle beyond traditional credit reporting.

• Strategic Modeling: A proven track record in conducting advanced cohort analysis, portfolio valuations, and financial modeling to support executive decision-making.

• Domain Knowledge: Fluency in credit portfolio KPIs, risk metrics (e.g., PD, LGD, EAD), and the nuances of credit bureau data.

Impact-Driven: Experience translating complex technical analysis into actionable product or risk interventions that have moved the needle on business performance.

The Interview Process

1. Chat with a Talent Partner (30 mins)

2. Behaviours & Culture Interview (45 mins)

3. Technical Assignment (60 mins presentation)

4. Final Interview (30 mins)

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Why Join LemFi?

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.

Our Values: How We Win

• Sharp Customer Focus 🎯 We cut through the noise and prioritize ruthlessly based on what drives real value.

• Lead with Data 📊 We trade instinct for insight. We test, analyze, and own the outcomes.

• Ownership 🤝 We take responsibility for global outcomes, not just local wins.

• Grit 💪 We navigate ambiguity with resilience and keep pushing until the customer feels the impact.
  

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.

Diversity & Inclusion at LemFi

To build the best financial tools for the global diaspora, we need a team that reflects the world we serve. We welcome builders from all walks of life who embody our values over a perfect resume.

Don’t meet every single requirement in the job ad? Research shows that candidates from underrepresented backgrounds often hesitate to apply if they don't check every box. If you are excited about this role and our mission, we encourage you to apply anyway. You might be just the right person for this, or other roles.