Credit Analyst

Hello! We're Teya.

Teya is a payment and software service provider, headquartered in London serving small, local businesses across Europe. Founded in 2019, we build easy to use, integrated tools that enable our members to accept payments and boost business performance.

At Teya we believe small, local businesses are the lifeblood of our communities.

We’re here because we don’t believe there’s a level playing field that gives small businesses with a fighting chance against the giants of the high street.

We’re here because we see banks and legacy service providers making things harder for them. We don’t think the best technology or the best service should be reserved for those with the biggest headquarters.

We’re here to fight for a future where small, local businesses can thrive, and to commit the same dedication they offer all of us.

Become a part of our story.

We’re looking for exceptional talent to join our mission. We offer a chance to create impact in a high-energy and connected culture, while benefiting from continuous learning opportunities, a supportive community which is proud to serve our mission, and comprehensive benefits.

Your Mission

As a Credit Analyst at Teya, you will serve as the strategic contributor of our credit business, driving data-informed decisions that directly impact our customers. Your role extends far beyond traditional data analysis - you will be the analytical driver of your team, translating complex customer behaviour and credit risk patterns into actionable insights that balance business growth with responsible lending practices.

You will start from problems already mapped by the team or identify new opportunities yourself, then structure how to solve and validate these challenges through analysis, testing, and collaboration. Your work will involve developing sophisticated credit strategies that improve financial efficiency while enhancing customer experience, whether that's optimizing credit limit policies, refining risk assessment models, or designing new credit products that serve underserved markets.

Operating at the intersection of analytics and business strategy, you'll leverage advanced modelling to navigate the inherent uncertainties of credit risk. You'll measure and assume calculated risks, ensure continuous monitoring of credit portfolios, and make decisions that could range from individual credit line adjustments to company-wide credit policies affecting thousands of SMBs. From day one, your analytical work will have immediate, tangible impact on both company performance and customer financial wellbeing, requiring you to think critically about both operational efficiency and the long-term implications of every decision.

Requirements

• 1–2 years in credit risk, analytics, data science, or business intelligence in financial services or a similar data-driven environment; relevant internships or co-ops count toward this experience.

• Bachelor's degree in a quantitative field such as Statistics, Mathematics, Economics, Engineering, Computer Science, or related discipline; advanced degree is a plus

• Proficiency in SQL for data extraction and manipulation; experience with Python, R, or similar programming languages for statistical analysis and modelling highly valued.

• Strong foundation in statistics and probability, including hypothesis testing, regression analysis, experimental design, and the ability to draw valid inferences from data while recognizing limitations.

• Demonstrated analytical problem-solving abilities with the capacity to break down complex, ambiguous credit challenges into structured, solvable components and develop actionable solutions.

• Excellent communication skills with the ability to translate technical analyses into clear business insights and influence stakeholders across technical and non-technical audiences.Self-directed and comfortable with ambiguity; able to take initiative in identifying problems, proposing solutions, and driving projects forward without extensive oversight.

Teya is proud to be an equal opportunity employer.

We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all.

If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.