Senior/Lead Credit Analyst

Job Overview

As a Senior/Lead Credit Analyst, you will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies.

Here are some things you’ll do

• Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability
• Monitor and update credit policy to optimize for company risk, profitability, and growth targets
• Propose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production
• Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis
• Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts
• Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability
• Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis
• Support the marketing and product team with their data needs

Minimum Requirements

• Fluency in SQL and R/Python
• Previous experience in analytics and/or quantitative modeling, using large datasets
• Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors
• Strong strategic thinking and problem-solving skills
• 5-10 years relevant experience in Credit Analytics, preferably in the India Fintech industry
• Enthusiasm for working across cultures, functions and time zones