Applied AI Analyst (Mid and Senior Level) - Transaction Enrichment

We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com!

We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.

If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife

The role

Every transaction made by a Zopa customer passes through our transaction enrichment pipeline. We tag the merchant and assign a spending category, so customers can understand their money better and the rest of the bank can build on reliable data. This role is about making that classification measurably better.

As an Applied AI Analyst, you will design and tune the prompts that do the categorising, work out where and why they fall short, and help shape what we build next. At heart this is an analytical role, but one where product thinking matters as much as technical ability. You will move quickly, make pragmatic trade-offs, and care about what ships and what lands.

You will work closely with the Product and Engineering team to make sure your findings influence the roadmap. You will be comfortable using LLM APIs directly and building with AI coding tools, and you will need the underlying understanding to use them well.

About the Transaction Enrichment Team

The team sits at the heart of how Zopa turns data into intelligent products. We build and evolve the capabilities that transform raw transaction data into reliable, structured intelligence, so customers can understand their money better, and the rest of the business can build confidently on top of it.

A core focus is transaction enrichment: tagging merchants, assigning categories, ensuring data quality, and making sure everything integrates cleanly into our broader data models and customer-facing products.

As we move toward more AI-first ways of working, the tribe is also rethinking how transaction data should be accessed and used — not just by analysts and product teams, but by AI systems and LLM-powered tools. The work is foundational and long-term in nature: improving systems, shaping strategy, and building capabilities that compound in value over time.