Business Transformation Analyst

Teya was founded on a simple belief: local businesses deserve better.They are the cafés, restaurants, salons, shops and entrepreneurs that bring character to our high streets, create jobs and keep communities moving. Yet for too long, financial services has made life harder for them - with clunky tools, poor support and complexity that gets in the way of running a business.We’re building a financial platform for local businesses across Europe - one built around simple tools, thoughtful design and real human support. Our Members rely on us to help them run their business with confidence, and that responsibility shapes the way we work.We care about quality. And we believe great performance and genuine hospitality should go hand in hand.If you want to build meaningful products, solve real problems and make a genuine difference for local businesses, we’d love to hear from youYour Mission As a Business Analyst at Teya, you will sit at the heart of how we measure and forecast the economic value of our products. You will work across our credit, acquiring and business account products to keep our valuation, unit economics, and customer lifetime value models grounded in how merchants actually behave. You will start from problems already mapped by the team or identify new opportunities yourself, then structure how to solve them through rigorous analysis, testing, and collaboration with product, finance, and growth. Whether you are rebuilding a Net Present Value model for a credit product, pressure-testing the assumptions behind a pricing change in acquiring, or designing the analytical framework for a new product, your work will sit between data and decision-making. Operating at the intersection of analytics and business strategy, you will bring a critical eye to how forecasts are built and how they are used. You will challenge assumptions, validate model outputs against in-market performance, and make analytical contributions that range from a single product feature to the broader picture of Teya’s economic engine. From day one, your work will have immediate, tangible impact on company performance and on how Teya thinks about its business. ResponsibilitiesBuild and maintain Net Present Value, unit economics, and customer lifetime value models for Teya’s products across credit, acquiring and business account, ensuring assumptions are grounded in observed merchant behaviour.Conduct in-depth analyses of customer behaviour and product performance, identifying the levers that drive value creation and the assumptions in our models that do not hold up under scrutiny. Design, implement, and analyse experiments (A/B tests, holdouts, natural experiments) to validate hypotheses about pricing, credit risk, customer segmentation, and product strategy. Develop and monitor key metrics and dashboards that track real-time portfolio and product economics, surfacing where actual performance is diverging from forecast and what the team should do about it. Collaborate cross-functionally with Product, Finance, Marketing, and Engineering to translate analytical insights into product, pricing, and commercial decisions that get implemented. Conduct investigative analysis to identify data gaps, model limitations, and opportunities to improve valuation methodology, proactively surfacing insights that change how Teya understands its business. Requirements 1 year + in business/credit analytics, valuations, credit risk, customer analytics, or strategy in financial services, lending, or a similarly data-driven environment. Bachelor’s degree in a quantitative field such as Mathematics, Physics, Statistics, Economics, or a related discipline. Proficiency in SQL for data extraction and manipulation, and Excel and/or Python for modelling. Demonstrated analytical problem-solving abilities, with the capacity to break down complex, ambiguous business 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. Familiarity with lending economics is a plus — expected loss, risk-adjusted returns, cohort repayment curves. The Perks We trust you, so we offer flexible working hours, as long as it suits both you and your team. Physical and mental health support through our partnership with WellHub, giving free access to over 1,500 gyms in the UK, 1-1 therapy, meditation sessions, and digital fitness and nutrition apps. Our company offers extended and improved maternity and paternity leave choices, giving employees more flexibility and support. Cycle-to-Work Scheme. • Health and Life Insurance. Pension Scheme. 25 days of Annual Leave (plus Bank Holidays). Office snacks every day. Friendly, comfortable, and informal office environment in Central London.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.