Zopa1mo ago

Head of Valuations, Credit Strategy

United Kingdom·London,LondonEmployee - Permanentsenior

OtherStrategy

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Quick Summary

Overview

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.

Technical Tools

pythonfintechmachine-learningstakeholder-management

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 Zopa.com!

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 Instagram @zopalife

The valuations team plays a critical role in shaping lending strategy and supporting growth across the bank. The models and frameworks built by the team underpin key business decisions across multiple lending products.

This is an opportunity to lead and evolve the future of valuations at the bank. The business is looking to move beyond a single NPV model approach towards a broader and more sophisticated suite of valuation tools that better support decision making across the lending lifecycle.

You’ll lead a team of credit analysts and data scientists, combining strategic thinking, stakeholder management and technical expertise in a highly visible role.

Lead the strategic direction for valuations modelling across the business

Oversee development of account-level NPV models across multiple lending products

Lead and develop a team of analysts and data scientists

Partner with stakeholders across analytics, credit strategy, finance, product and risk

Improve and simplify existing valuation frameworks where appropriate

Drive the evolution of the bank’s valuations capability and roadmap

Champion technical best practice across Python based modelling workflows

Support strategic projects including new product launches and portfolio activity

You have solid experience leading valuations within retail lending

You’ve managed and developed high-performing teams

You’re comfortable working with Python based modelling environments

You have deep experience with valuation and NPV modelling

You’re a strong stakeholder manager who can influence senior audiences

You combine strategic thinking with hands-on delivery

You’re comfortable working in a fast-moving environment with high impact

You have strong analytical and commercial judgement

Added bonus:

Experience across multiple lending products
Experience leveraging valuations within decisioning pipelines
Exposure to machine learning approaches within credit or valuations modelling
Experience in fintech or fast-growing lending businesses

We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week.

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

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.

At Zopa, AI isn't something we're testing out — it's part of how we work every day. As a proud partner of Jobs 2030, we're committed to building AI fluency across our workforce, and we expect Zopians to use AI as part of how they do their jobs.

Because of that, we want to be transparent about how we think about AI use during our hiring process.

Behavioural and competency-based interviews: please don't use AI. These conversations are designed to understand you — your experiences, your judgment, and how you've approached real situations. An AI-generated answer can't tell us that. What it can do is get in the way of us finding out whether we're the right fit for each other.

Technical interviews: it depends on the role. Some technical stages actively welcome AI use, others don't. Your Talent Partner will let you know what's expected at each stage. Where AI is part of the assessment, we'll be interested not just in the outcome, but in how you used it – the tools you chose, your reasoning, and the decisions you made along the way.