Total 3 job vacancies by Updraft

Updraft is an award winning, FCA-authorized, high-growth fintech based in London. Our vision is to help people get rid of their cumulative debts and the life stress that is associated with that. We believe that the financial world is far too complex, and for customers with large amounts of overdraft and credit card debt overwhelming and stressful. At Updraft we understand the stress, and also the complexity of the financial system, and are building solutions to help solve real problems for real people. We won't rest until everyone in the world has the opportunity to be debt free.

Our product is a mobile application that helps relieve the stress of debt using

• 360-degree spending view across all your financial accounts(using Open banking)
• A free credit report with tips and guidance to help improve your credit score
• Personalized financial planning using a proprietary mix of automated algorithms and manual advice
• Intelligent lending products to help reduce cost of credit.
• Saving products that help users automate their savings.

• Build new data processing workflows to extract data from core systems for analytic products
• Maintain and improve existing data processing workflows.
• Contribute to optimizing and maintaining the production data pipelines, including system and process improvements
• Contribute to the development of analytical products with integration of internal and third-party data sources/ APIs.
• Contribute to proper cataloguing and documentation of data.
• Collaborate with Data Science team in the delivery and iteration of new models

Required Skills:

• Bachelor’s degree in computer science or related field.
• 1-2 years’ experience working in data engineering and related fields with at least 2 years in designing highly scalable Data warehouses.
• Mandatory required high proficiency in ETL, SQL and database management.
• Experience with Athena, Redshift, EMR or Snowflake preferred.
• Experience with AWS services like Glue, Lambda, Step function, SQS, S3.
• Hands-on understanding of AWS services like IAM policies, EC2, RDS, DMS.
• Python programming experience using data libraries like pandas, numpy, scipy etc.
• Experience creating and using Jupyter notebooks
• Interest in machine learning, logistic regression and emerging solutions for data analytics

Good to have but not mandatory required:

• Experience in Fintech, online Lending industry with European operation.
• Experience with open-source tools like Apache Airflow, Metabase, Apache Superset.
• Certification in AWS foundation
• Awareness or Hands-on experience with ML-AI implementation or ML-Ops.

• Paid Time Off
• Work From Home
• Training & Development

Updraft is an award winning, FCA-authorized, high-growth fintech based in London. Our vision is to help people get rid of their cumulative debts and the life stress that is associated with that. We believe that the financial world is far too complex, and for customers with large amounts of overdraft and credit card debt overwhelming and stressful. At Updraft we understand the stress, and also the complexity of the financial system, and are building solutions to help solve real problems for real people. We won't rest until everyone in the world has the opportunity to be debt free.

Our product is a mobile application that helps relieve the stress of debt using

• 360-degree spending view across all your financial accounts(using Open banking)
• A free credit report with tips and guidance to help improve your credit score
• Personalized financial planning using a proprietary mix of automated algorithms and manual advice
• Intelligent lending products to help reduce cost of credit.
• Saving products that help users automate their savings.
  
  
  The engineering team at Updraft is a global one with engineers working from the UK, USA, Italy, Bulgaria with London as its HQ. We are expanding our team and given India’s contribution to tech in recent years, there can’t be a better place for us to build a team in and create wonders. Our current team is filled with ex tech CEOs and CTOs who have come together and built a state-of-the-art fin-tech product that helps thousands of people getting out of the painful debt cycle. With over half of our engineers having an academic background from world-class universities like University of Oxford, Imperial College London and University of Cambridge, we can’t wait to tap the Indian talent and build the best engineering team and culture out there.
  
  Responsibilites
  

• As a backend engineer at Updraft, you will design and build server-side components that run seamlessly with clients. You will also be involved in architectural improvements and make sure the efficiency of our code is always on point.
• You will build robust and scalable applications and features using internal and external APIs (such as Modulr, Truelayer, Checkout.com) that improve different aspects of existing lending products such as loan application, collections and payments.
• You will increase our operations efficiency by building internal tools that automate tasks and save 1000s of man hours.
• You will work with the data team to implement data driven changes and features such as pricing etc to our product.
• You will work alongside the front-end team and product team to build new features and products that will change the way people handle their personal finances.

• 1-2 years of hands-on experience in writing secure, efficient, high-quality Python code preferably using some API framework like Django/ Flask.
• Experience with technologies such as Cloud Computing (AWS / Google Cloud), Git, Docker, Postgres and other server-side technologies.
• The perfect addition to our team will have a curious brain with an exceptional ability to learn new technologies and skills. They would have some commercial experience working with python and strong knowledge of security practices, ideally with a slightly gray-hat background.

• Paid Time Off
• Work From Home
• Training & Development

Who are we?

Updraft is an award-winning, FCA-authorised, high-growth fintech. Our vision is to revolutionise the way people spend and think about money, by automating the day-to-day decisions involved in managing money and mainstream borrowings like credit cards, overdrafts and other loans. We are building a complete personal financial service on mobile that provides;

• a 360-degree spending view across all your financial accounts (using Open banking).
• A free credit report with tips and guidance to help improve your credit score.
• Personalised financial planning using a proprietary mix of automated algorithms and manual advice.
• Intelligent lending products to help reduce cost of credit.
• Saving products that help users automate their savings.
  

Who are we looking for?

We are seeking a dedicated collection specialist to help with the day-to-day back office and front line duties of our Collections department. In this role, your duties will include communicating with stakeholders, including customers, debt management companies and other third party partners via in-app chat and email, taking real-time inbound calls, negotiating the correct outcome with our customers, and enacting payment plans that eliminate debt. To ensure success as a Collections Team Member you should possess experience with personal loans/credit card debt collection and knowledge of CONC and FCA regulations around Collections, as well as TCF (Treating Customers Fairly).

Key Attributes

• Developing debt collection strategies and contact plans.
• Preventing repeated payment delinquency by negotiating manageable payments.
• Contacting customers by email, in-app chat and voice.
• Assisting our customers with the appropriate forbearance options.
• Identify Vulnerable Customers and handle cases with compassion and sensitivity
• Process government scheme Breathing Space entries
• Deal with Debt Management companies such as StepChange.
• Negotiating settlements to receive payment on a certain percentage of the debt.
• Dealing with all forms of insolvency.
• Managing day-to-day relationships with Debt Collection Agencies and other operational partners
• Direct Debit mandates - new/changes.
• Working on any failed payment posts.
• Monitoring the overall portfolio and reporting to senior management forums.
  

Key Requirements

• A minimum of 2 year's experience in Collections and/or Unsecured Lending (Overdrafts, Credit Cards, Personal Loans).
• Previous experience in CRM would be beneficial but not essential.
• Experience in developing and enacting debt recovery plans and strategies to prevent losses.
• Exceptional ability to communicate with customers to negotiate debt payment plans.
• Excellent verbal and written communication skills with a professional and customer-centric approach
• Working on UK bank holidays.
• Working on Saturdays, along with the rest of the team based in the UK
• Equivalent degree from a reputed college.
• Awareness of compliance and financial regulation.
• Working hours will be in sync with the London HQ.

What do you get out of this role?

Flexibility

• Work from wherever you choose to - we are a remote-led company, which gives you the freedom to work entirely from home, but if you prefer to work from an office there is an option to discuss this.
• This position is open to people looking to work part time on weekends, good for students looking to get good industry experience - with the chances of it continuing to a full time role at a later stages in the career.

Compensation

• Competitive salary based on experience
• An annual performance bonus
• Tech gear for you to perform your duties more efficiently
• Additional allowances available
• 18 days of paid annual leave.
• Ability to carry forward upto 5 holidays to the next year
• Public holidays according to the Indian bank holiday calendar (excluding the ones co in-siding with the UK calendar)
• Training allowance to help you achieve your career goals.

For further enquires and applications (CV and covering letter) please contact dee@updraft.com