Senior Impairment Analyst
Zopa
IT
London, UK
Posted on Jun 2, 2025
Our Story
Hello there. We’re Zopa.
We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com!
We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.
If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife
We're looking for a new Senior Impairment Analyst to join our growing team at Zopa!
You will join a high performing risk analytics team responsible for assessing the credit risk of our assets across all lending products by using the risk model effectively, understanding and monitoring portfolio trends, market dynamics and macro-economic environment
Collaboration is key at Zopa which means you'll work closely with our cross-functional teams including data science, product, and finance to develop and drive innovative approaches to calculating impairment provisions while remaining compliant with our internal policies and external regulations. You’ll be owning and enhancing the loss forecasting framework, supporting stress testing and capital allocation.
We look for bright individuals with a passion for translating numbers into business opportunities and delivering insights to drive decision-making - if this resonates with you, we'd love to hear from you!
Why join Impairment at Zopa?
- As a Senior Analyst in Impairment, you will be entrusted to lead on our most complex and highest impact projects.
- You are empowered to think outside the box and devise creative, innovative solutions to the problems we tackle.
- Zopa offers a broad range of lending products, including unsecured personal loans (UPL), credit cards, secured loans for the purchase of a car, and point-of-sale finance, which all pose different analytical challenges.
- You work in a wider cross-functional, credit, data science and finance team, so you will have the opportunity to work alongside, learn from and mentor some of the brightest minds and friendliest people in the industry!
- You work with some of the best tech in the industry, such as AWS SageMaker for ML, DBT for data processing along with standard analytical tools like Python, Redshift, Tableau etc.
- All our decisioning systems are built in-house, meaning that we have nearly unlimited flexibility in what we can implement.
A day in the life...
- Finding insight in our data and explaining trends in impairment provisions.
- Producing impairment forecasts to support business budgeting exercises and stress testing.
- Overseeing the implementation of new IFRS9 impairment models and updates to existing ones.
- Using advanced statistical techniques to predict customer behavior or forecast future losses.
- Designing and maintaining the controls we have in place around our impairment calculation process.
- Mentoring junior team members, fostering their growth and development within the team.
About you...
- You have experience of solving data and analytical problems preferably in a consumer lending environment. (Experience with IFRS9 is a bonus!)
- You have a strong ability in manipulating and analyzing large datasets using SQL and/or Python.
- You are experienced in visualization and storytelling through data.
- You have a passion for translating numbers into business opportunities and delivering insights to drive decision-making.
- You are a structured and holistic problem-solver, and possess strong time management skills.
- You have an insatiable curiosity and a relentless drive to learn, improve, and share knowledge with others.
- You can work collaboratively with cross-functional teams, including tech, data science, finance and product.
#LI-OH1
We're on the move!
Towards the end of 2025 Zopa will be relocating to a brand-new headquarters at 20 Water Street in Canary Wharf. The 44,000 square foot workspace will foster collaboration and inspire creativity for our 900 employees amidst our 2025 growth blitz.
At Zopa we value flexible ways of working.
We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.
You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one.
*Subject to having the right to work in the country of choice
Diversity Statement
Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.