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 ! 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 At Zopa, data and the application of machine learning is at the heart of what we do and the products we bring to market. Within consumer financial services we have pioneered modern data science techniques using advanced ML models for more than 7 years. Today more than 98% of our lending decisions are driven by ML models - so it's safe to say it is seriously impactful work! A day in the life Lead high-impact projects related to data and modelling, with a specific focus on impairment. Own the full lifecycle of your project, including the discovery of business opportunities through statistical analysis, data curation and processing, feature engineering, development of machine learning models, deployment to production, and model monitoring. Conduct regular analysis of model performance, including tracking key metrics, identifying anomalies, and diagnosing potential issues to ensure models remain robust and effective. Monitor model results and business impact, proactively identifying risks and implementing improvements when necessary. Engage with senior stakeholders across the company, influence critical business decisions, and drive projects that impact on our products and millions of customers. Work closely with product managers, analysts, data engineers, and software engineers to advance your projects. Support other data scientists through knowledge sharing, code review, collaboration on common utilities, and analytical infrastructure. About you You are proficient in Python and SQL, with a good understanding of best practices in software engineering. You have in-depth knowledge of machine learning algorithms (e.g., logistic regression, random forest, gradient boosted trees, neural networks, k-means, etc.) and statistics (e.g., Monte Carlo, hypothesis testing, confidence intervals, maximum likelihood, bootstrap, Bayesian inference). You have a strong understanding of effective MLOps processes, ensuring robust and scalable machine learning model deployment, monitoring, and maintenance. You love data. You are passionate about tackling real-world problems with data and have a proven track record of solving complex data problems that deliver business value. You are a scientist-curious, eager to learn, and willing to challenge the status quo. You embrace innovation for the benefit of our customers and the world. You are a great communicator who enjoys influencing decision-makers with insights from data. You can foster mutual understanding and trust with stakeholders from different backgrounds. You are a team player, striving for the success of the team and collaborating with an open mind. You have a can-do attitude and a strong commitment to getting the job done. You have working knowledge of Git, Docker, CI/CD, and REST APIs. 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.
Feb 15, 2025
Full time
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 ! 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 At Zopa, data and the application of machine learning is at the heart of what we do and the products we bring to market. Within consumer financial services we have pioneered modern data science techniques using advanced ML models for more than 7 years. Today more than 98% of our lending decisions are driven by ML models - so it's safe to say it is seriously impactful work! A day in the life Lead high-impact projects related to data and modelling, with a specific focus on impairment. Own the full lifecycle of your project, including the discovery of business opportunities through statistical analysis, data curation and processing, feature engineering, development of machine learning models, deployment to production, and model monitoring. Conduct regular analysis of model performance, including tracking key metrics, identifying anomalies, and diagnosing potential issues to ensure models remain robust and effective. Monitor model results and business impact, proactively identifying risks and implementing improvements when necessary. Engage with senior stakeholders across the company, influence critical business decisions, and drive projects that impact on our products and millions of customers. Work closely with product managers, analysts, data engineers, and software engineers to advance your projects. Support other data scientists through knowledge sharing, code review, collaboration on common utilities, and analytical infrastructure. About you You are proficient in Python and SQL, with a good understanding of best practices in software engineering. You have in-depth knowledge of machine learning algorithms (e.g., logistic regression, random forest, gradient boosted trees, neural networks, k-means, etc.) and statistics (e.g., Monte Carlo, hypothesis testing, confidence intervals, maximum likelihood, bootstrap, Bayesian inference). You have a strong understanding of effective MLOps processes, ensuring robust and scalable machine learning model deployment, monitoring, and maintenance. You love data. You are passionate about tackling real-world problems with data and have a proven track record of solving complex data problems that deliver business value. You are a scientist-curious, eager to learn, and willing to challenge the status quo. You embrace innovation for the benefit of our customers and the world. You are a great communicator who enjoys influencing decision-makers with insights from data. You can foster mutual understanding and trust with stakeholders from different backgrounds. You are a team player, striving for the success of the team and collaborating with an open mind. You have a can-do attitude and a strong commitment to getting the job done. You have working knowledge of Git, Docker, CI/CD, and REST APIs. 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.
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 ! 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 The 1 st Line of Defence (1LOD) Risk Function is responsible for managing risks across the organisation, working closely with cross-business stakeholders and adopting the bank's risk framework to embed effective and efficient risk management into everything we do. We are looking for a Risk Manager to partner with our Lending Product areas (these range from POS, Credit Cards, UPL's to Auto) to identify, assess and manage operational risks. The role is an exciting opportunity for a risk professional motivated by driving change and contributing to delivering responsible growth and a truly customer centric experience. A day in the life: You'll report into the Senior Manager - Lending and work closely with stakeholders across the three lines of defence to ensure Zopa operates within risk appetite, through the application of commensurate mitigating controls. Identify areas of risk and have a strong knowledge of operational risks and controls. Lead in defining solutions in response to risks which are i) smart and proportionate, ii) sustainable (e.g. Automated controls over manual interventions) and iii) considered (i.e. not just plugging the gap but thinking more holistically about the issue and what we need, to improve the risk environment). Manage interdependencies in order to support the delivery of agreed solutions and change initiatives in a timely and high-quality way. Ensure that MI and reporting is delivered in a timely manner, enabling accountable individuals to make informed, risk-based decisions. About you: You'll be an experienced risk professional with a strong understanding of the retail banking environment and a passion for supporting teams to deliver better customer outcomes. Proven track record of managing operational risk (ideally in the first line) in a consultancy, fintech or specifically within the financial services sector. Good awareness of the regulatory framework in which Zopa operates and driven to self-educate and learn about the evolving open banking regulatory landscape. Lead stakeholders to identify areas of risk, support in the delivery of change across the business and look for ways to improve our existing risk-based practices. Technical, outcome-oriented, and able to apply the risk framework to propose optimal outcomes for customers and the bank. A strong communicator who can articulate issues clearly, flagging trade-offs and solutions in order to gain buy-in to your proposals. Passionate about improving the risk environment and general ways of working across the teams you support. Act as a source of knowledge and point of contact for business colleagues in your area such as second line risk and first line counterparts. Guide first line teams in completing comprehensive risk assessments and promoting a risk-aware culture across the business. Bonus points for: Practical working knowledge of regulations surrounding lending products. Experience of change projects involving automated and tech solutions. Flexible working? Yes please! At Zopa we value flexible ways of working. We understand the benefits of face-to-face collaboration and the importance of a good work-life balance. Our teams work in a hybrid manner, from our vibrant UK offices and the comfort of their own homes, at a frequency that suits the team and the work they do. Not only that - 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.
Feb 13, 2025
Full time
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 ! 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 The 1 st Line of Defence (1LOD) Risk Function is responsible for managing risks across the organisation, working closely with cross-business stakeholders and adopting the bank's risk framework to embed effective and efficient risk management into everything we do. We are looking for a Risk Manager to partner with our Lending Product areas (these range from POS, Credit Cards, UPL's to Auto) to identify, assess and manage operational risks. The role is an exciting opportunity for a risk professional motivated by driving change and contributing to delivering responsible growth and a truly customer centric experience. A day in the life: You'll report into the Senior Manager - Lending and work closely with stakeholders across the three lines of defence to ensure Zopa operates within risk appetite, through the application of commensurate mitigating controls. Identify areas of risk and have a strong knowledge of operational risks and controls. Lead in defining solutions in response to risks which are i) smart and proportionate, ii) sustainable (e.g. Automated controls over manual interventions) and iii) considered (i.e. not just plugging the gap but thinking more holistically about the issue and what we need, to improve the risk environment). Manage interdependencies in order to support the delivery of agreed solutions and change initiatives in a timely and high-quality way. Ensure that MI and reporting is delivered in a timely manner, enabling accountable individuals to make informed, risk-based decisions. About you: You'll be an experienced risk professional with a strong understanding of the retail banking environment and a passion for supporting teams to deliver better customer outcomes. Proven track record of managing operational risk (ideally in the first line) in a consultancy, fintech or specifically within the financial services sector. Good awareness of the regulatory framework in which Zopa operates and driven to self-educate and learn about the evolving open banking regulatory landscape. Lead stakeholders to identify areas of risk, support in the delivery of change across the business and look for ways to improve our existing risk-based practices. Technical, outcome-oriented, and able to apply the risk framework to propose optimal outcomes for customers and the bank. A strong communicator who can articulate issues clearly, flagging trade-offs and solutions in order to gain buy-in to your proposals. Passionate about improving the risk environment and general ways of working across the teams you support. Act as a source of knowledge and point of contact for business colleagues in your area such as second line risk and first line counterparts. Guide first line teams in completing comprehensive risk assessments and promoting a risk-aware culture across the business. Bonus points for: Practical working knowledge of regulations surrounding lending products. Experience of change projects involving automated and tech solutions. Flexible working? Yes please! At Zopa we value flexible ways of working. We understand the benefits of face-to-face collaboration and the importance of a good work-life balance. Our teams work in a hybrid manner, from our vibrant UK offices and the comfort of their own homes, at a frequency that suits the team and the work they do. Not only that - 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.
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 ! 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 About the team We are on a mission to level-up the mobile app and we're looking for someone to bring deep expertise in native Android development (with Kotlin). You will join our Mobile Platform team which looks after tech underpinning the app itself: from the app's architecture, shared capabilities and libraries and experiences, as well as the build and analytics infrastructure. The team plays an important role as thought leaders in the broader mobile community at Zopa, and generally is responsible for moving our tech forward in that space. The company has the vision to become Britain's best bank and have just launched the Zopa account which is a high touch, mass-market product. The app is our most important touch point with the customer and it needs to be performant and delightful. We therefore want to invest in the tech of the app. The app is today built using React Native but we have found ourselves increasingly leveraging native capabilities (Swift and Kotlin). We are looking to further build out our skills in native development and use those to significantly overhaul the app experience. A day in the life: You will report into the Engineering Manager of the Mobile Platform team. You will work closely with the Principal Mobile Engineer and Head of Engineering for Mobile. You will guide the wider mobile community on the best practices in native development and provide mentorship to engineers. You will work on making our app more performant, robust and delightful. You will help us identify and correct bottlenecks and fix bugs to optimise application performance. You'll collaborate with cross-functional teams (designers, product managers, backend developers) to define, design, and implement new features that leverage native capabilities. About you: You are a highly skilled mobile app developer with a track record of creating sophisticated applications using Kotlin. You have published apps to the Play Store. Strong understanding of Android frameworks and native app performance optimisation. You have worked on high-engagement and modern apps, with an emphasis on performance and delightful experiences. You consider quality as a first-class concern and have a proven background in improving quality in previous roles. You have a passion for your craft and doing things "right" (semantics, validity, maintainability ) An interest in our mission and strong customer focus. Added bonus: You've also worked with React Native and have a solid understanding of the differences and trade-offs between this approach and native. Knowledge of the app store submission process and best practices for continuous integration/deployment (CI/CD). Experience with mobile security best practices. Some knowledge of iOS development with Swift. Flexible working? Yes please! At Zopa we value flexible ways of working. We understand the benefits of face-to-face collaboration and the importance of a good work-life balance. Our teams work in a hybrid manner, from our vibrant UK offices and the comfort of their own homes, at a frequency that suits the team and the work they do. Not only that - 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.
Feb 10, 2025
Full time
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 ! 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 About the team We are on a mission to level-up the mobile app and we're looking for someone to bring deep expertise in native Android development (with Kotlin). You will join our Mobile Platform team which looks after tech underpinning the app itself: from the app's architecture, shared capabilities and libraries and experiences, as well as the build and analytics infrastructure. The team plays an important role as thought leaders in the broader mobile community at Zopa, and generally is responsible for moving our tech forward in that space. The company has the vision to become Britain's best bank and have just launched the Zopa account which is a high touch, mass-market product. The app is our most important touch point with the customer and it needs to be performant and delightful. We therefore want to invest in the tech of the app. The app is today built using React Native but we have found ourselves increasingly leveraging native capabilities (Swift and Kotlin). We are looking to further build out our skills in native development and use those to significantly overhaul the app experience. A day in the life: You will report into the Engineering Manager of the Mobile Platform team. You will work closely with the Principal Mobile Engineer and Head of Engineering for Mobile. You will guide the wider mobile community on the best practices in native development and provide mentorship to engineers. You will work on making our app more performant, robust and delightful. You will help us identify and correct bottlenecks and fix bugs to optimise application performance. You'll collaborate with cross-functional teams (designers, product managers, backend developers) to define, design, and implement new features that leverage native capabilities. About you: You are a highly skilled mobile app developer with a track record of creating sophisticated applications using Kotlin. You have published apps to the Play Store. Strong understanding of Android frameworks and native app performance optimisation. You have worked on high-engagement and modern apps, with an emphasis on performance and delightful experiences. You consider quality as a first-class concern and have a proven background in improving quality in previous roles. You have a passion for your craft and doing things "right" (semantics, validity, maintainability ) An interest in our mission and strong customer focus. Added bonus: You've also worked with React Native and have a solid understanding of the differences and trade-offs between this approach and native. Knowledge of the app store submission process and best practices for continuous integration/deployment (CI/CD). Experience with mobile security best practices. Some knowledge of iOS development with Swift. Flexible working? Yes please! At Zopa we value flexible ways of working. We understand the benefits of face-to-face collaboration and the importance of a good work-life balance. Our teams work in a hybrid manner, from our vibrant UK offices and the comfort of their own homes, at a frequency that suits the team and the work they do. Not only that - 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.