Financial Analyst

Together, we make credit work better for all! Our mission is to help customers on the path to becoming debt free; with a real focus on helping our customers pay off their debts in practical and affordable ways. We do this honestly, ethically and by treating our customers with dignity and respect.

We buy debts from lots of different companies in all kinds of sectors as well as provide collection services for other businesses.

Our focus on sustainability, hybrid working, leadership development and career progression makes working at Lowell a rewarding experience.

Now let's talk about your role:

As a Reforecasting Analyst your role will include the following responsibilities:

1. Financial Analysis: Conduct detailed analysis of historical and current financial data to identify trends, patterns, and anomalies.
2. Forecasting Updates: Regularly update forecasting models to reflect changes in market conditions, business strategies, and other relevant factors.
3. Collaboration: Work closely with departments such as Treasury, finance, sales, marketing, IT, and operations to gather input and ensure alignment in forecasting assumptions.
4. Data Interpretation: Interpret complex financial and operational data to provide meaningful insights and recommendations.
5. Accuracy Assurance: Review and validate data inputs, assumptions, and calculations to ensure accuracy in forecasting models.
6. Scenario Planning: Develop and analyse various scenarios to assess potential outcomes and support decision-making processes.
7. Reporting: Prepare and present reports, summaries, and presentations to stakeholders, highlighting key findings and recommendations.
8. Process Improvement: Identify opportunities to streamline forecasting processes, enhance data quality, and improve forecasting accuracy, help design and develop enterprise data architecture solutions, including data models, data storage, and data integration.

An ideal candidate will:

1. Undergraduate degree in a quantitative discipline (e.g., economics, mathematics, finance) is preferred; post-graduate degree in a related field, or Business Administration (MBA) is welcomed.
2. Practitioner background likely to include 3+ years of direct experience in a data analysis field, preferably within Financial Services and relating to the assessment of commercial performance.
3. Strong business acumen and commercial awareness.
4. Excellent skill set concerning data analysis in the context of understanding the connections between portfolio characteristics, operational activities, and performance.
5. Experience of using data to drive insight, engage stakeholders and facilitate robust decision making.
6. Ability to analyse and understand portfolio characteristics and operational activities in the context of assessing portfolio performance.
7. Familiarity with relevant industry accounting concepts would be helpful (e.g. the application of an Effective Interest Rate on owned assets to derive yield based earnings).
8. Excellent Excel skills (e.g., charting, pivoting, lookups, and scenarios).
9. Experience with one or more structured programming languages, such as SAS, SQL, R and/or Python, for statistical and/or numeric computing is essential.
10. Experience of working in a dynamic commercial environment, facing numerous simultaneous deliverables at any one time, often characterised by short timescales and shifting priorities.
11. Excellent verbal and written English communication skills, combined with a talent for simplifying complexity, and an ability to describe concepts and ideas in ways that create excitement and engagement.

A mission that gives back:

You'll also have lots of opportunities to make an impact on your personal development. At Lowell we have a big focus on helping our colleagues develop their careers and grow with us, together.

So, whatever your culture, gender identity, religion, ethnicity, age, neurodiversity, or disability status, if you're ready to help us make credit work better for all, we think you'll fit right in. Our people are our strength, so we build strong teams thriving with diverse voices, and offer benefits that can keep our people strong.

That means

1. A discretionary annual bonus for a job well done.
2. 3% flexible benefits; pick additional benefits or take as cash each month. Whether this is extra holiday or dental cover there will be something for you.
3. We are committed to a hybrid working environment, where we will ask you to work in our Leeds office, which will be based in Thorpe Park. Our new purpose-built office to support collaborative working and those meaningful moments you'll only get from being in the office.
4. Free parking when you are in the office and when working from home, you'll be fully equipped with everything you'll need to be successful. 28 days holiday plus public holidays with the option to purchase up to an additional 5 days.
5. Life assurance
6. A fantastic culture with more little perks along the way including, self-development opportunities, recognition awards and on-site facilities to support the varying needs of our colleagues.
7. Wellbeing support and a programme of webinars and classes geared towards mindfulness.
8. Job security

Ready to share in that mission?

Our people are our greatest asset. That means part of our mission is building a workplace where you can grow with us, and help us go on to make a difference, together.

Together, we go further - and it starts with you. So, if you're interested in adding your voice to our fantastic team of people, take the first step and apply today