Credit Analyst

About Selina

At Selina Finance, our mission is to provide exceptional value with simple and flexible financial products. We’re achieving this by building a next-generation digital lender targeting homeowners across the UK. More than £2tn of equity value is locked up in UK homes, while homeowners still need to rely on high-interest-rate consumer loans, credit cards, or overdrafts. We believe this is unfair and unnecessary. We offer a financing product unlike anything else out there, one that is as flexible as a current account, as affordable as a mortgage, and as easy to apply for as a consumer loan.

We are building an incredible team and culture of high performance, development, reward and recognition, ready for the next phase of our adventure, and this is where you come in!

We have quite a few things to be proud of

🌏 We have 19 different nationalities across our London + Manchester and remote teams
🏆 Voted as ‘one of the fastest-growing businesses in the UK’ by Business Leader Growth 500 for 2025
🏆 Voted top 30 of ‘Tempo’s 100 best start-ups to work for’
🦾 Disability Confident Committed employer
🏆 BCorp Certified
✏️ Rated highly in our employee survey on:
✔Workplace Culture
✔Work Life/Balance
✔Employee Recognition

About the Role
We are seeking 2 Credit Analysts with 1–2 years of experience to join our growing Credit Risk and Data team. You will have the opportunity either to join our Credit Risk Team or our Data Engineering Team depending on your career aspirations and skillset.
The role is ideal for someone who enjoys working with data to generate insights, support decision-making, and build scalable reporting solutions. You will help transform raw data into actionable intelligence, supporting the development of new credit strategies, performance monitoring, and business initiatives.

You’ll work closely with Credit Risk, Data, Product, and Engineering teams to ensure data is accurate, accessible, and effectively used to inform both strategic and operational decisions.

What will you be doing?

• Collect, clean, and structure data from internal systems and third-party sources.

• Build and maintain dashboards, reports, and automated data pipelines for tracking credit and business performance.

• Analyse customer behaviour, portfolio trends, and decision outcomes to identify risks and opportunities.

• Translate analytical findings into clear recommendations for Credit Risk and Product stakeholders.

• Support testing and monitoring of new credit policies, strategies, and decisioning engines.

• Ensure data quality, consistency, and compliance with governance standards.

You're a great fit if you

• Have spent a couple of years working hands-on with data analysis or business intelligence in a start-up environment/lending environment.

• Know SQL inside-out; you have used it to retrieve and structure data. It’s also desirable if you have used Python for analysis and automation, but it's not mandatory. 

• Have experience with data visualisation tools (e.g., Lightdash, Looker, Tableau, Power BI, or Google Data Studio).

• Acquired the ability to explain findings clearly to non-technical stakeholders and have been praised for your strong analytical and problem-solving skills.

• Naturally curious; you enjoy digging beneath the surface of problems, asking the right questions, and uncovering insights others may miss.

• Show initiative; you don’t just wait to be told what to do, but proactively look for ways to improve data quality, reporting processes, and decision-making.

• Thrive on stakeholder interaction; you enjoy collaborating across departments, building relationships, and translating data into a language that helps others make better decisions.

You won’t be a great fit if you

👎 Feel most comfortable in big teams with rigid processes, rather than in a fast-paced environment where things are still taking shape.

👎 If you are not ready to roll up your sleeves and dive into the nitty-gritty of countless unstructured databases.

👎 Find it difficult to take ownership when things are ambiguous and the way ahead isn’t fully mapped out.

👎If your goal is to work solely in financial analysis.

What we offer:

• £45,000 - £50,000 base salary, dependent on experience

• 25 days' annual leave, plus bank holidays

• 30 days’ work-from-anywhere allowance

• Bi-annual Bonus (discretionary)

• Volunteering allowance

• Growth Shares – aligning your rewards with our success, giving you the opportunity to share in the value we create.

• Annual L&D budget

• Cycle to work scheme

• 3% pension contribution

• Monthly socials

• Free access to mental health support via ‘Spill’

• A choice of benefits that work for you, courtesy of our benefits platform, ‘Thanks Ben’

• Annual £60 cycle allowance for Santander cycles or Evans (via ‘Thanks Ben’)

• Workplace Nursery Benefit, allowing eligible nursery costs to be paid via salary sacrifice

• Annual Train Ticket Loan Scheme

Our Values

Our values underpin how we work together as a high-performing team, driving our growth and success.

✅ Take Ownership - We all act as owners. We make decisions in the best interest of the company. We pride ourselves on solving problems, not finding barriers. We have a bias for action; we move fast and we deliver.

🥇 Customer Obsessed - We put our customers at the heart of everything we do. We listen to their needs and work tirelessly to provide them with the best possible products and experiences.

🚀 Drive Change - We are pioneers in our industry. We are not afraid to challenge the status quo, and we constantly seek out new and better ways of doing things. We are agile and adaptable, and we embrace change as an opportunity for growth.

💪 Empower Our Team - We believe that collaboration and teamwork are the cornerstones of success, and we set up our team for great achievements.

We are an equal opportunities employer and are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.

We also welcome and encourage applications from traditionally underrepresented categories, and provide feedback to any candidate we interview, even if that feedback is speaking to another candidate being more suitable for the role.