Data at GoCardless 

You’ll sit in our Data & Business Systems group and will work with technical and non-technical people across the whole company. You’ll collaborate closely with our team of talented Analysts, Data Scientists, ML/AI Engineers and System Admins, designing and delivering first-class analytics to the business.

We’re a large team with an extensive remit and expect every member to work with initiative and be driven, holding each other accountable and to a high standard. Joining our team, you’ll work in a team that strives to be the best they can be. You’ll work on complex projects across GC’s data & business systems stack. 

You will enjoy being an analyst at GoCardless if:

• You’re looking to champion a great data culture within GC and in the wider data community. 
• You enjoy collaborating and learning from people from various backgrounds and experiences. 
• You want to feel proud of the work you’re doing and its impact on real customers.

Our technologies: We endeavour to build simple, reliable systems and we believe in using the best technologies for each task. Technologies we use across GoCardless include: Looker, Python, Looker, Google Cloud Platform, dbt, Airflow, Vertrex and Jupyter amongst others.

You’re not expected to have expertise in all these technologies. Members of our team have picked up the tools once they’ve started working with the team. 

The Role

At GoCardless we use marketing throughout the customer lifecycle to acquire new customers and drive revenue growth through our existing merchant base. As part of this role, you will be working closely across all marketing teams - paid, organic, lifecycle - to understand how their marketing efforts are helping to grow our merchant base and accelerate revenue. Your insights will be turned into actions as your expertise helps drive the future of GoCardless.

What excites you 

• Collaborate with Growth Marketing measuring how our Paid and Organic marketing strategies drive acquisition, engagement and revenue growth
• Partner with marketing stakeholders to define and monitor marketing KPIs and identify trends, risks and opportunities in customer and campaign data to inform strategy aligned with business objectives
• Assist marketing teams in A/B test design and execution and analysing results using statistical methods
• Ensure data quality, accuracy and consistency across all marketing sources
• Build data products that help to monitor the health of campaigns, continuously innovating on the practices and the tools we rely on to deliver the right insights at the right decision points (A/B Testing, Analysis (SQL), Visualisation (Looker, Domo), Tracking (Google Analytics), Automation (Python), AI (Gemini)).

What excites us  

Essentials:

• You have a background working in (performance) marketing analytics or a marketer looking for a more data focused role. 
• You have knowledge of common marketing measurement metrics, tools & methodology.
• You are a self-starter, focused on results, with a demonstrated background in using analytics to drive the understanding, growth, and success of marketing campaigns
• You have experience with data visualisation tools and communicating findings from complex data sets in an accessible way
• You are proficient in basic SQL

Nice to have:

• A basic knowledge of Python/R is advantageous but not essential
• You have experience leveraging AI capabilities to enhance data analysis, automate tasks, and improve decision-making processes

We don’t expect you to meet every requirement. If you’re excited by this role, we encourage you to apply.

Salary range: the expected base salary range for this position is between €45,600 - €68,400.

Base salary ranges are based on role, job level, location, and market data. Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.

Inbank is a financial technology company with an EU banking license that connects merchants, consumers, and financial institutions on its next-generation embedded finance platform. Our financing solutions are embedded seamlessly into the shopping journey of 6,000+ retailers. This helps our merchant partners grow their businesses, while end customers benefit from a frictionless shopping experience wherever they are. With a focus on innovation and growth, we are looking for talented people to join our team of 440+ working across our offices in Estonia, Latvia, Lithuania, Poland, and the Czech Republic.

Due to our growth ambitions, we are looking for a talented Credit Risk Underwriting Modeller to join our Riga office. In this hands-on role, you will help improve how we assess credit risk and ensure the profitability of our products by developing and refining statistical models used in credit decisioning.

You will work closely with credit risk specialists and technology teams, combining data, business understanding, and modeling techniques to build effective underwriting solutions. In this role, your work will have a direct impact on business performance. By improving credit decision models, you will contribute to better risk management and stronger profitability—playing a key role in shaping data-driven decisions across the organization.

What will you be doing?

• Develop, improve, and maintain statistical models used in credit underwriting.
• Own the end-to-end modeling process: from data collection and preparation to model development, validation, and monitoring.
• Analyze and combine internal and external data sources to enhance model performance.
• Continuously monitor models and optimize them for accuracy, risk management, and profitability.
• Collaborate with the technology team to improve automated credit decision systems (decision engine, data integrations, workflows).
• Work closely with credit risk underwriters and product managers to translate business needs into effective modeling solutions.
• Prepare analytical reports and ensure clear model documentation and transparency.
• Stay up to date with industry trends and best practices in credit risk modeling.

 Ideally, you would have:

• 3+ years of proven experience in a similar role (statistical, predictive, or data modeling); experience in fintech or banking is a plus.
• Solid understanding of statistical methods and machine learning techniques, with the ability to apply them in practice.
• Strong analytical mindset and confidence working with complex, real-world datasets.
• Strong SQL skills, with hands-on experience in data extraction and manipulation.
• Proficiency in Python, R, or similar tools.
• Ability to work independently while collaborating effectively with cross-functional teams.
• Clear communication skills in English, both written and spoken.

What you’ll get in return?

• The offered salary is within the range of €4,000–€5,000 gross per month, along with a comprehensive benefits package.
• Wellbeing support through sports compensation or additional health insurance to help you stay active and healthy.
• A 6-week paid sabbatical after four years, recognising strong performance and long-term contribution.
• A dynamic and inspiring work environment where you’re encouraged to grow and take ownership of your work.
• Flexibility through a hybrid and autonomous way of working, built on trust and accountability.
• The opportunity to collaborate with talented international colleagues across multiple markets.
• Regular team events and additional perks that make work more enjoyable and help celebrate successes together.

Sounds like a fit?

Apply, and our recruitment team will be in touch. If you’re unsure but curious, apply anyway - we’re happy to explore together.