Business Analyst

Hello. We’re Teya. 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. Teya exists to change that. 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 move fast. We care about quality. We stay close to the detail. 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 you Your 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. Your work will inform pricing, segmentation, and investment decisions taken at the most senior levels of the company. 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. Responsibilities - Build 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. - Create clear, compelling presentations and documentation that translate complex analytical findings into actionable recommendations for stakeholders at all levels, from operational teams to the executive committee. Requirements - 1 year + in business/credit analytics, valuations, credit risk, customer analytics, or strategy in financial services, lending, or a similarly data-driven environment. - Ba…