Quantitative Analyst - UPL

London / Manchester / Oxford (If not based in London, you'll be expected to attend the London office 1-2 times per month)

Monday - Friday (37.5 hours per week - hybrid)

• 25 days holiday (rising to 28 after 3 years' service) plus bank holidays, to take time to recharge and do something you love.
• Private Medical - via vitality, with reward schemes paid for you and your family.
• Health cash plan - via health shield for employee's and children claiming money back for dental, optical, etc.
• Pension - Oodle will contribute 5% of your salary into your pension pot to help you save for the future.
• Free breakfast, drinks and fruit in the office - you can help yourself to cereals, toast, fizzy drinks and lots of fruit.
• Employee discounts - discounts you can access anywhere, anytime for all major shops.
• 1 day volunteer day per year- an opportunity to give back to the community each year.
• Mental health care - 6 free counselling sessions via our EAP (Employee Assistance Programme).
• Paid sick leave - enhanced company sick pay.
• Enhanced family leave - we provide enhanced family leave for primary and secondary caregivers.

Oodle - who are we?

Our mission is to be the UK's simplest way to find and finance a great value used car. We want to put car buyers back in control and make the car buying experience as simple, straightforward, and joyful as possible as car buyers deserve oodles of car buying confidence!

We are a team of 450 people located in Manchester, Oxford and London. Over the past 7 years, we've supported 10,000's of customers on their car buying journey and know 2025 is shaping up to be another exciting year!

The Role & Team

As we aim to elevate Oodle, we're on the lookout for a Quantitative Analyst for Unsecured Personal Loans, Oodle's newest and fastest-growing financial product, to include in our expanding team. Dive into a world of data, strategic analytics, and profitability-driven initiatives, reporting into the Credit Risk and Profitability function. You'll be influencing our approach to driving profitable originations, and will touch on areas like marketing, pricing, customer retention, payment support, credit risk, open banking, and finance.

What You'll Do:

• Play a pivotal role in enhancing the profitability of Oodle's Unsecured Personal Loans product by offering insights, optimisations, and cost efficiencies.
• Optimising the origination funnel, balancing an efficient, self-servable, digital-first journey with risk and performance as we automate and streamline. Develop our understanding of the relationship between top of funnel marketing activity, risk, conversion, and subsequent performance.
• Forge robust partnerships across Oodle, ensuring key insights, monitoring, and oversight are efficiently communicated to a spectrum of teams and stakeholders - from operations to executives - to guide decision-making.
• Drive initiatives to enhance Oodle's pricing strategies, making use of both internal and external datasets.
• Delve into Oodle's portfolio data, ensuring our agreements consistently meet performance standards.
• Contribution to refining view of new origination unit economics.
• Drive strategic initiatives in credit risk management, optimizing processes, and offering actionable insights to the broader team.
• UPL-specific credit strategies considering exposure to risk for new opportunities such as brokering our declines, referrals from partners, returning customer trials, price comparison sites, and more.
• Exploring use of Open Banking to drive profitable growth through enhanced decision-making, and to protect against fraud as we expand onto the open market.

Who you are:

• Highly technical analyst with a 2+ years' experience within a lender in credit risk, pricing, profitability or marketing analytics.
• A STEM or financial background. A good fit may have a BSc, MSc, or PhD in one of the following areas: mathematics, statistics, chemistry, physics, economics, or finance.
• Analytical thinker with an ability for identifying patterns and drawing meaningful insights from data. Should have the ability to use both quantitative and qualitative data sources.
• Willing and able to independently and collaboratively solve challenges which are interesting and directly linked to performance of the business.
• Good communication and interpersonal skills are essential as role will entail interaction with a wide variety of stakeholders.
• Keen interest in Finance, Economics and FinTech.
• Experience with Microsoft packages, in particular Excel and PowerPoint.
• Experience with coding (SQL/Python), data processing, data visualisation, credit risk is advantageous. However, this is not a requirement.
• Experience with Excel modelling would be considered positive.

Our values are our personal brand and lay the foundation of what we care about the most. They provide us with guidance, so we can work towards the same goals. They are our DNA and are kept at the forefront of our Oodler's mind when making business decisions.

• Embrace being human - empathy and diversity make us stronger.
• Strive for awesome - it's awesome when we do better every day.
• Everyone's a builder - we're in this together and we win as a team.
• Bravely honest - we're honest with ourselves and everyone else.
• Think customer - they're at the heart of everything we do.

Oodle is proud to be an inclusive workplace, and we recognise diversity of experience, thoughts and backgrounds leads to better customer outcomes and an environment where our colleagues can thrive. We have several DEI networks which are made up of our 'Oodlers' who strive to make positive impacts to our cultures.

To find out more about our culture and what happens at Oodle check out our LinkedIn and Instagram.