About Us:

Onmo is the UK’s newest credit card provider that will deliver a range of fair, flexible and easy to use financial services products to UK consumers. We help people make smarter decisions with money, so they can get more out of life.

Joining at the start of our journey, creates a unique opportunity to have a significant impact and influence foundational decisions, whilst creating the opportunity for you to grow in your career alongside the growth of the company.

We have a solid model framework in place, but are nimble enough to explore innovative ways of working and thinking. This role will have a diverse set of responsibilities, with a focus on leveraging data to drive short term and longer term priorities.

Working at a fintech means there is always a lot to do, but you would be part of a wider team that is focused on developing something great for us and our customers.

Responsibilities:

You’ll be working as part of a wider analytical team to support delivery of new customer credit strategies, commercial objectives and improved customer experience.

Campaign Design & Execution: Collaborate with cross-functional teams to design, test, and implement targeted campaigns aimed at improving customer retention and maximising returns. Use data-driven insights to optimise campaign performance and continuously improve results.

Customer Segmentation & Targeting: Conduct in-depth segmentation analysis to identify high-value customer groups and tailor strategies to maximise their engagement. Ensure that the targeting of offers and strategies aligns with customer profiles and behaviour to drive optimal results.

Compliance & Risk Management: Ensure that customer strategies comply with relevant regulatory requirements and internal policies, mitigating potential risks related to credit risk, customer complaints, and financial outcomes.

Performance Tracking & Reporting: Monitor and track the performance of customer-focused initiatives, ensuring that strategies lead to measurable improvements in outcomes. Prepare regular reports to evaluate the impact of changes on customer behaviour, retention, and overall financial performance.

Continuous Improvement: Stay up to date with industry trends, emerging technologies, and customer behaviours to continually evolve and refine the credit card strategy. Propose innovative solutions to improve the efficiency of existing processes and optimise customer-facing initiatives.

About You:

Ways of Working

• Proactive automation of work, to allow more time for analysis. 
• Keeping updated documentation, to allow sharing of work and knowledge. 
• Using checks and balances to make sure outputs are correct.

Your Approach

• Self-motivating, with a natural interest in understanding how things work and fit together.
• Eye for detail and pro-active engagement with others (across the company or externally) when additional information is needed.
• Happy to work at a growing company, where one day does not always look the same as the next and everyone rolls up their sleeves to help make things happen.

Qualifications and Experience:

• Exposure working with varying datasources (bureau and openbanking data would be a plus).
• Foundational understanding of how credit cards work
• Strong coding skills (e.g. Python / SQL), with a focus on structure and automation
• Experience building insightful MI
• Good presentation skills, using the data to tell a story
• Ability to prioritise workload and manage time effectively, communicating proactively
• Excited about defining the foundations and best practices to allow automation and smart solutions for our customers.