We are seeking an experienced professional to fill this pivotal position, which involves overseeing key operations, driving strategic initiatives, and ensuring alignment with organizational goals. The ideal candidate will possess a proven track record in [specific industry/field], along with strong leadership capabilities and exceptional problem-solving skills. Responsibilities include managing cross-functional teams, optimizing processes, and delivering measurable results in a fast-paced environment. Candidates must meet the following requirements: [list requirements]. This role offers the opportunity to make a significant impact while collaborating with a dynamic and innovative team.
As a Data Analyst specializing in Credit, your role involves contributing to analytics across the entire credit product lifecycle—encompassing product design, credit acquisition, portfolio management, collections, and profit & loss analysis. You will collaborate with the Decision Science team while reporting directly to the Credit Risk Analytics Lead.
Overseeing a range of critical duties, this role involves managing and executing key operational tasks with precision and efficiency. The position requires diligent attention to detail, strong organizational skills, and the ability to prioritize competing demands in a fast-paced environment. Responsibilities include leading cross-functional teams, ensuring adherence to project timelines, and maintaining high standards of performance across all assigned initiatives. Additionally, the role demands proactive problem-solving, clear communication, and collaboration with stakeholders to drive consistent results.
Evaluate portfolio performance metrics to detect emerging patterns, assess potential risks, and uncover strategic opportunities.
Examine and enhance existing credit policies, particularly those governed by rule-based decision engines, to ensure optimal performance and alignment with organizational objectives.
Develop and sustain accurate profit and loss projections to inform key strategic initiatives.
Perform evaluations to assign credit limits and assess affordability, ensuring adherence to established financial guidelines and risk parameters.
Conduct score cut-off analysis to enhance approval processes and refine risk management strategies.
Evaluate and optimize collection methodologies by analyzing customer segmentation data and performance metrics to drive continuous improvement in recovery rates.
Design and conduct A/B tests to evaluate and enhance lending and collections effectiveness.
Deliver clear, data-driven insights and strategic recommendations to key leadership stakeholders to inform decision-making processes.
Positions require a Bachelor’s degree in a relevant field, such as Computer Science, Engineering, or Mathematics. Applicants must possess at least three years of professional experience in software development, data analysis, or a closely related discipline. Proficiency in programming languages, including Python, Java, or SQL, is mandatory, alongside strong problem-solving abilities and meticulous attention to detail. Candidates should demonstrate excellent communication skills, both written and verbal, to effectively collaborate within cross-functional teams. Familiarity with agile methodologies and version control systems, such as Git, is highly preferred.
A degree or academic qualification in a quantitative discipline, such as Mathematics, Statistics, Physics, or a closely related field, is required.
We seek candidates with at least three years of hands-on experience in quantitative or data analysis roles, specifically within financial services, fintech, or e-commerce sectors.
Demonstrates exceptional expertise in SQL, enabling efficient data extraction and manipulation.
Proficiency in utilizing open-source statistical programming languages like Python or R is essential.
Proficient in applying statistical tests frequently employed in A/B testing methodologies.
Proficiency in statistical software applications, with a preference for open-source solutions, is required.
Seasoned professionals with a track record of designing, constructing, and sustaining comprehensive analytical reports or dashboards in their entirety are encouraged to apply.
Proficient in analyzing and conveying key findings from reports within a strategic business framework, with a strong emphasis on engaging stakeholders and formulating actionable recommendations.
Qualifications
BA/BSc/HND
Experience Required
3 years
