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Senior/Lead Credit Analyst at Branch
Job Description
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 valuation model, and propose new product and pricing strategies.
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
Qualification
- 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 Indian Fintech industry
- Enthusiasm for working across cultures, functions, and time zones
Location: Remote.
For More Information: SENIOR/LEAD CREDIT ANALYST
