Senior Credit Analyst

Responsibilities :

- 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 meetings 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.

Qualifications :

- Fluency in SQL and R/Python

- Previous experience in analytics and/or quantitative modelling, using large datasets

- Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors

- Strong strategic thinking and problem-solving skills

- 3-5+ years relevant experience in Credit Analytics, preferably in the India Fintech industry

- Enthusiasm for working across cultures, functions and time zones