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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:

1. Drive improvements and growth in decision strategy for New Business Origination.
2. Responsible for risk decision, limit allocation, and pricing.
3. Deliver analytical thought leadership and end-to-end, in-depth analytical delivery for New Business Origination programs at Jaja.
4. 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.
5. 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.
6. 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:

1. Deep understanding of spreadsheet modelling: Excel/VBA.
2. Comfort with large datasets and ability to extract information from them: SQL, Python/R/SAS.
3. Demonstrated comfort in data-rich environments and packages: Alteryx/AWS/DBT/Tableau/Power BI.
4. Must have strong coding skills and understanding of data structures.
5. 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:

1. Leading by example and rolling up sleeves to get things done.
2. 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.
3. Deep conceptual and commercial understanding of New Business Origination programs and unit economics.
4. The ability to prioritize workloads and manage time effectively.
5. Comfortable using direct language and speaking in a straightforward yet respectful manner to save people's time and simplify everyone's workday.
6. Self-motivated and can switch between working independently to collaborating as a team with ease.
7. 8+ years experience in Credit cards.
8. Prior Management Experience in Analytics / Risk. Two direct reports - no previous management experience needed, however mentoring & previous project lead experience necessary.

Personal qualities:

1. Commercial and Delivery oriented mindset with ability, and willingness to collaborate and negotiate.
2. Control mindset, keeping within risk and regulatory appetite, with a keen eye for marginal economics.
3. Self-motivated, with willingness to get involved in the nitty gritty and tenacity to get the job done.
4. Well-Organized and can manage delivery timelines and outcomes in a fast paced environment.
5. Innovative and Analytical approach.

You should apply if:

1. 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.
2. 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.
3. You are comfortable using a direct language and speaking in a straightforward yet respectful manner to save peoples' time and simplify everyone's workday.
4. You love rolling up your sleeves to get it done.
5. 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?

1. The chance to make a real impact in a growing start-up on a mission.
2. Significant levels of responsibility and exposure at an early stage of your career.
3. Competitive salary & benefits including pension.

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