Senior Credit Analyst
Core
Designing and refining credit underwriting and limit strategies to optimize risk and growth for unsecured lending products, primarily credit cards.
Role type
Senior Credit Analyst (Unsecured Lending)
Builds
Credit card products and lending solutions
Domain
Fintech / Banking / Credit Risk
Deliverable
production ML models | product features
Required skills
Credit card economics modeling, NPV and profitability analysis, portfolio performance analysis, SQL, segmentation framework development, regulatory compliance, cross-functional collaboration
Preferred skills
Python, Looker, rewards card modeling experience
Technologies
SQL, Python, Looker
Responsibilities
Design and refine credit underwriting and limit strategies; Analyze portfolio performance (arrears, utilization, vintage curves); Build and interpret NPV and profitability models; Develop segmentation frameworks; Lead analytical deep-dives into portfolio trends; Partner with Product and Engineering to test strategy changes; Evaluate commercial impact of pricing and eligibility decisions; Present recommendations to senior stakeholders
Seniority
Senior, hands-on IC
