Commercial Analyst

ABOUT US Onmo believes that everyone has the right to manage their money with confidence. Our vision is to bring better clarity, intelligence, and technology to Credit Cards, allowing our customers to understand their money, have more control and flexibility, and make the best financial decisions. We’re delivering that experience through a product our customers trust and rely on every day. We’re a young company with big ambitions and the resilience to see them through. We treat change as an opportunity, not a disruption, and we stay efficient and focused because we know that’s how ambitions turn into success. We have an incredible team in place. You’ll love working here if you believe that simplicity is the best strategy. ABOUT THE ROLE • Optimising Risk Adjusted Margin across all areas of the credit lifecycle from Onboarding to Collections. • Improving product offering, analyse customer friction areas and propose solutions incorporating business objectives and customer outcomes. • Define commercial strategy and continuously optimise it to grow the business while maintaining strong returns • Discover insights from data using tools like Python and SQL to find opportunities and optimise our strategy • Seek out novel strategies and commercial approaches we can take advantage of • Obsess over competitor trends and our performance through our diverse acquisition channels, responding quickly to changes in the market • Collaborate cross-functionally with product, engineering, data, and our external partners to improve funnel performance • Monitor and assess the success of implemented strategies and continuously identify areas for improvement. ABOUT YOU • Daily coding experience, with proficiency in Python and SQL ideally • Proven experience in credit risk or commercial strategy roles, ideally within consumer lending. • A strategic mindset and the ability to translate complex data into clear, actionable decisions. • A focus on delivering results that align with both commercial and customer needs. • A collaborative, open approach and a willingness to challenge your own assumptions FCA COMPLIANCE & CONSUMER DUTY At Onmo we all take collective responsibility for our individual roles in creating the best outcomes for our customers.

In this role that involves; • Identifying and raising risk events in a timely manner when spotted • Creating communications in line with Financial Promotion guidance • Keeping up to date with changes in relevant regulatory rules • Completing mandatory training within allotted deadline • Following the FCA Conduct Rules; o You must act with integrity o You must act with due skill, care and diligence o You must be open and cooperative with the FCA, PRA and other regulators o You must pay due regard to the interests of customers and treat them fairly o You must observe proper standards of market conduct