Product Analyst - Credit

LemFi (Series B) is building the go-to financial app for the Global South.


Moving to a new country shouldn’t mean starting from zero. That's why our team of 400+ spanning 20+ countries is building a financial ecosystem that helps immigrants stay connected to home, build stability, and create wealth regardless of where they are from or where they live.


What began as fast, affordable remittances is now evolving into a complete platform for multi-currency accounts, payments, credit, and long-term financial growth.


With millions of users across the globe, we process over $1B in monthly transactions to 30+ countries, proving that borders shouldn't limit financial opportunity.


THE ROLE

You will be the analytical engine behind our credit decision-making and portfolio performance insights. Your primary focus will be transforming lending data into clear, actionable intelligence that supports underwriting, portfolio management, valuation, and commercial strategy.

You won’t just be producing reports; you will uncover trends, surface risks, and tell the story behind the numbers—helping senior leadership and credit teams make fast, confident, and well-informed decisions across the lending lifecycle.

This is a hands-on, data-driven role at the heart of our lending business, embedded within the Credit function and working closely with stakeholders across Data, Risk, Finance, and Commercial teams.


HOW YOU’LL CONTRIBUTE

- Analyse & Interpret: Perform ad hoc analysis on lending portfolio performance, customer behaviour, credit risk drivers, and product outcomes.

- Build & Report: Design, build, and maintain management dashboards, recurring performance reports, and KPI tracking to support day-to-day and strategic decision-making.

- Cohort & Valuation Analysis: Conduct cohort analysis to inform valuation, product development, and credit strategy, helping the business understand performance over time.

- Identify Risks & Opportunities: Proactively identify trends, emerging risks, and growth opportunities using data-driven insights and clear analytical reasoning.

- Support Strategic Decisions: Deliver deep-dive analysis for strategic initiatives, presenting findings clearly and concisely to senior stakeholders.

- Collaborate Cross-Functionally: Work closely with decision science, underwriting, finance, product, and commercial teams to translate analytical insights into concrete business actions.

- Compliance: Ensure all analysis and reporting aligns with internal standards and regulatory requirements, including FCA and CONC guidelines.


WHO YOU ARE

- Data-Driven & Curious: You enjoy exploring data, asking the right questions, and uncovering insights that drive better credit and commercial outcomes.

- Detail-Oriented: You care deeply about accuracy, consistency, and reliability—especially when working with financial and credit data.

- Commercially Minded: You understand how analytics connects to business performance, valuation, and stra