Commercial Lead Analyst – Personal Lending

We’re partnered with a fast-growing, forward-thinking financial services organisation that's reshaping the personal lending market. This is an opportunity to sit at the heart of commercial decision-making and make a visible impact in a data-driven, high-growth environment.

As the Commercial Lead Analyst, you'll take ownership of performance insights and profitability modelling across the personal loans portfolio. This role blends commercial trading analysis, strategic financial modelling, and hands-on problem-solving — ideal for someone who loves getting deep into the numbers and influencing outcomes.

What you’ll do

• Be the go-to expert for understanding daily and weekly trading performance

• Analyse trends, investigate shifts in performance, and explain the “why” behind the numbers

• Own and enhance profitability modelling, forecasting portfolio performance and unit economics

• Work closely with Pricing, Credit, Finance and Product teams to shape strategy and optimise growth

• Use SQL and (ideally) Python to build robust reporting and predictive tools

• Present insights to senior stakeholders and influence decisions across the business

• Balance fast-paced commercial trading work with longer-term strategic modelling initiatives

You'll have the autonomy to run your own analysis, spot issues proactively, and drive improvements — while working alongside experienced, data-literate leaders.

What we’re looking for

• Proven experience in analytics, commercial finance, credit risk, pricing, trading analysis, or a similar quantitative role

• Exposure to financial services or lending (personal or commercial) is a bonus

• Strong SQL skills; Python or coding experience is an advantage

• Genuine commercial curiosity and the ability to turn data into decisions

• Confident communicator with experience influencing stakeholders

• Self-starter who enjoys solving problems and improving processes

What’s in it for you

• £52,000–£70,000 salary (depending on experience)

• Shares worth £12,000–£23,000 (performance-linked)

• Hybrid working — office attendance in Cardiff twice per month

• Supportive, ambitious culture with real career development opportunities

• Chance to play a key role in the growth of a rapidly scaling lending business