Senior Python Developer

Oakam ,
London, Greater London
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Job Description

Do you have a keen, analytical mind? Do you enjoy interpreting data and using it to draw conclusions? Are you curious about credit and its role in inclusive finance? If you can say "yes" to the above, then keep reading: we're on the lookout for a Senior Python Developer who can help solve cross-company analytical problems and propose impactful product changes. You will be responsible for all things data, focusing on credit risk, fraud, and optimising customer outcomes. You'll monitor the portfolio, create risk models, and propose new product and pricing strategies to ensure that the business stays at the top of its game. What will your workday look like? You will be based at our Moray House office on Great Titchfield Street (GTS), just around the corner from lively Oxford Street. Moray House is home to our Data, Marketing, Engineering, Risk, Compliance, Talent, and Finance teams, so there is always a lot going on! It's a busy and diverse environment where everyone rolls up their sleeves and gets stuck in. You may, on occasion, need to work at our Sunley House office in Croydon, where our Operations, HR, and Customer Services teams are based. 5 minutes from Croydon train station, Sunley is a vibrant space which has recently received a much-deserved make-over (including the installation of a games room!). What we're looking for? Our ideal candidate is required to be experienced in delivering business change within the credit/banking sector. Having the knowledge and practical experience of market risk concepts, e.g. Market Data (curves and volatility surfaces), Pricing and Sensitivities is a bonus, but the key part is that you will need to be proficient with either Python and has a strong understanding of product specifications in that allowed you to have experience in design and implementation of decision systems. Predominantly, you will assist in the full project lifecycle, from interpreting business requirements and functional design, performing unit and functional testing, and issue resolution and experience in the Risk Change space implementing risk functionality and new products will ensure that you become an integral part of the business and this team. Your responsibility include development and maintenance of high quality pricing models and a comprehensive risk management framework to ensure the service calls adequate levels of margin. The role will involve close liaison with the wider Risk management teams, Engineering, Operations and other internal/external groups on a regular basis. Whilst the ins-and-outs of every day will vary, you can expect to: * design, build and maintain our customer analysis, risk and profitability models (these are used to underwrite loans, combat fraud, set product pricing, segment customers, and predict portfolio performance); * analyse the performance of our statistical models and their associated business rules and propose how they should be set to achieve our risk-reward outcomes and profitability targets; * propose data-driven product changes to improve customer experience and company profitability, partnering with the Product and Engineering teams to implement your solutions in production; * coach and mentor less experienced developers impressing good practices and developing their skills * monitor the portfolio to identify trends and share performance updates and analysis; and * conduct ad hoc analysis to identify changes in portfolio performance, propose solutions, and evaluate their expected impact. What will you bring to the role? * confidence to extract insights from real-world datasets and to share your findings with management and investors; and * genuine interest in consumer finance, customer psychology and the challenges of lending responsibly in the UK and in emerging markets. What you'll get in return * a competitive salary * flexible work arrangements * private health care * enrolment in our pension scheme * a fantastic office in the centre of London * free tea, coffee and snacks * regular team lunches * the chance to help shape the company as we continue to grow and expand Who is Oakam? We are a digital micro-lender helping underbanked, overlooked, consumers onto and up the credit ladder. We're working to make consumer credit more inclusive and affordable for those who need it most: so far, we've provided around half a million loans to 155,000 unique customers and provided funds of over 350 million to financially excluded communities. And we're just getting started: we're an ambitious company, with plans to grow tenfold and to expand into Sub-Saharan Africa over the next 2 years. Our core team has been carefully selected from leading financial companies (including Barclays, JP Morgan, and Soldo) and we're looking for more top talent to drive us towards our goals during this new phase of growth. Sound good? Apply now! Apply for this Job

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