Data Analyst - Credit

Requirements

• Academic background in a mathematical discipline (e.g. Mathematics, Statistics, Physics, or related field)
  
• Minimum of 3 years' experience as a Quantitative Analyst or Data Analyst in a financial services, fintech or e-commerce environment
  
• Strong proficiency in SQL for data extraction and manipulation
  
• Hands-on experience with open-source statistical programming languages such as Python or R
  
• Solid understanding of statistical tests commonly used in A/B testing
  
• Experience using statistical software packages (open-source preferred)
  
• Proven experience developing and maintaining analytical reports or dashboards from end-to-end
  
• Ability to interpret and present insights from reports in a business context, including stakeholder engagement and recommendation
  

• Analyze portfolio performance metrics to identify trends, risks, and opportunities
  
• Review and refine credit policies, including rule-based decision engines
  
• Build and maintain profit and loss forecasts to guide strategic decisions
  
• Conduct credit limit assignment and affordability assessments
  
• Perform score cut-off analysis to improve approval and risk strategies
  
• Monitor and enhance collection strategies based on customer segmentation and outcomes
  
• Design and run A/B tests to assess and optimize lending and collections performance
  
• Communicate actionable insights and recommendations to senior stakeholders