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Job description

ABOUT US

Bike Club is one of the leading circular economy businesses in Europe, fundamentally disrupting the way families start cycling, creating a more sustainable and happier world. We are globally the largest kids bike rental network and are changing the world of consumer finance by giving our community of members a strong alternative to purchasing bicycles for their little loved ones.

We are growing exponentially over the last few years with offices in London, Berlin and Gibraltar and have raised c.£50M in debt and equity from leading circular economy funds. We are now focusing on pan-European growth and launched trading in Germany in October’22 to be followed with a few other countries in Q1’23.

Why buy a kid’s bike? Children grow fast. Keeping up with their growth spurts can be costly and a hassle for parents. At Bike Club we provide families with a sustainable and affordable option for getting their children active and enjoying the outdoors. We offer kids bikes on a subscription service that can be exchanged as they grow.

THE OPPORTUNITY

You will work as part of the growing finance function reporting to the Head of Finance to lead the onboarding and KYC functions and wider processes around payment overall. You will also be instrumental in the development and implementation of the fraud prevention process and systems and monitoring of the subscription portfolio. This role will be based in London and will have an Onboarding Analyst as well as the Payments team sitting in Gibraltar report to it.

Tasks

THE RESPONSIBILITIES

• Onboarding & KYC Functions - Evaluate member and their orders. Analyse credit scores, fraud indicator, account registration details, order types and any other parameters to arrive at reliable decisions. Responsible to bring enhancements and detect fraud and/or anomalies to improve the conversion rate while keeping the fraud rate at minimum
• Financial Loss Mitigation – Own and maintain fraud/loss rates within acceptable levels. Involves collaborating with payment team internally and leading relationship with third party debt collection agency to drive recoveries if required
• Customer Obsession – Knowing that Bike Club inspires next generation of cyclists. Expected to work with our payment/customer support teams internally to build strong engagement with the members that are stuck in the onboarding/KYC process - most of our members are parents of young kids
• Analytics and Reporting – Drive reporting initiatives and work closely with Business Intelligence Manager internally to identify any insightful trends and relationships across Salesforce objects. Build key dashboards and daily/weekly/monthly automated reporting
• Process Improvement – Work alongside with Fraud and Risk Analyst to understand the onboarding journey and the systems that affect process efficiency. Be proactively involved in system implementation for automation and financial operational efficiencies. Document SOPs and evaluate existing processes at all times
• Teamwork – Collaborate with Payment, Operations, BI, Tech and other teams as required. Give support and get help and incorporate the best practise. Guide and train junior members of the team and manage a direct report

• 4 – 5+ years of relevant work experience in a similar role with a bachelor’s degree or master’s degree (or equivalent) in Accounting, Finance, or any other quantitative field (e.g., Statistics, Business Analytics, Mathematics)
• Strong data and analytical skills and must have proficiency in Excel. If, Vlook up, Pivots, SumIfs at a minimum. Strong presentation skill is a plus
• Ability to analyse and evaluate complex data. Understanding of credit scores and subscription-based business model
• Salesforce experience is highly desirable
• Possess great communication, both written and verbally, and interpersonal skills and a team player
• Knowledge of SQL or other programming language is desirable but not essential

• Competitive salary
• 26 days annual leave plus bank holidays (additional days earned for each year of service, capped at 30)
• Pension
• Central London office
• Flexible working
• Cyclescheme
• Nursery benefit (for eligible employees)
• Regular social events during office hours
• £30/month towards Bike Club subscription