Evaluate the creditworthiness of new applicants and oversee ongoing portfolio performance monitoring.
Perform underwriting and post-loan data analysis to inform policy decisions and continuous optimization.
Conduct user segmentation, behavioral analysis, and pricing sensitivity analysis across the ecosystem.
Monitor daily risk exposure, profit and loss, and portfolio performance, and present insights to senior management.
Prepare risk reports, monitoring dashboards, and KPI tracking to support decision-making.
Partner with business and product stakeholders to assess risks, improve processes, and support sustainable growth.
Requirements
Minimum 5+ years of experience in risk management (credit risk/portfolio risk/decisioning) in fintech, banking, or lending industry.
Bachelor's degree or above in Finance, Computer Science, Statistics, Economics, or a related field
Strong analytical thinking with solid hands-on experience in data management and large datasets.
Proven ability to operate in ambiguous environments and drive analytics initiatives toward clear business outcomes.
High attention to detail with the ability to identify data discrepancies and inconsistencies.
Strong communication skills with the ability to present complex analytical insights to technical, business, and executive stakeholders.
Relevant experience in Retail or Institutional Banking, Consumer or SME Finance, Supply Chain Finance, e-Commerce, Consulting, or Credit Rating agencies is an advantage.
Proficiency in SQL is required experience with Python or SAS is preferred.
