Senior Credit Risk Analyst

The role

We are seeking a highly skilled and detail-oriented Senior Credit Risk Analyst to join our dynamic team. In this pivotal role, you will leverage your analytical expertise to identify high-risk transactions, optimize credit strategies, and monitor credit portfolios for potential delinquencies or defaults. You will collaborate closely with cross- functional teams, including sales, marketing, finance, and legal, to ensure compliance with credit policies and address credit-related challenges. If you are passionate about driving impactful credit strategies in a collaborative, fast-paced environment, we invite you to apply.
Day to day responsibilities

• Analysing data to find patterns of high-risk transactions from a credit point-of-view.
• Optimising credit strategies for profitability, loss rates, approval rate and other KPIs.
• Collaborating with other departments such as sales, marketing, finance, and legal to ensure compliance with credit policies, resolve credit-related issues, and provide guidance on credit risk matters.
• Monitoring the credit portfolios to identify and assess any changes in credit risk exposure. This may involve tracking credit performance, conducting periodic reviews, and identifying potential delinquencies or defaults.
• Preparing reports and documentation summarising credit risk findings, trends, and recommendations for management, regulators, and stakeholders.
• Staying updated on market trends, economic developments, and industry-specific factors that may impact credit risk.
• Interacting with data providers (especially credit bureaus), preparing samples for retro analysis, and assessing their solutions.

We're looking for...

• Over 2 years of experience in data analytics and insight generation.
• A strong SQL background with experience in querying large data lakes/data warehouses.
• Experience in data visualisation tools such as Looker, Tableau, Power BI etc.
• Strong understanding of how the lending/credit card/BNPL industry works.
• A champion of metrics and the measurement of impact, with the inquisitive acumen to explain the “why”, not just the “what”.
• A team player who enjoys a collaborative and fast paced agile environment.
• An analyst keen to contribute to existing initiatives, develop new strategies and confident to make recommendations.
• Someone with data experience within growth who can create analytical insights that can be incorporated into key decision making.
• Good stakeholder management experience with the ability to prioritise delivery.
• Can work independently as well as within a team.
• Ability to collect, analyse, organise, and disseminate significant amounts of information with attention to detail.

Bonus Skills:

• A financial technology or B2C scale-up background.
• Additional coding language (Python/R)