Senior Data Analyst
The Senior Data Analyst is responsible to drive risk-adjusted profitability (RAROC) across our consumer credit portfolio. This role sits at the intersection of credit risk, pricing, and portfolio economics, with a clear mandate: optimize money in versus money out. The Senior Analyst will focus on turning risk signals into profitable lending decisions, ensuring growth is capital-efficient and sustainable.
Responsibilities
- Profitability & RAROC Optimization
- Own loan-level and segment-level profitability analysis, incorporating interest income, fees, funding costs, expected losses, and operating expenses
- Design and maintain RAROC and contribution margin frameworks used to guide:
- Approval cutoffs
- Risk-based pricing
- Credit limit management
- Identify negative or sub-optimal RAROC segments and recommend corrective actions (pricing adjustments, policy tightening, exposure reduction)
- Quantify the profit impact of strategy changes before implementation
- Automate recurring profitability reports and dashboards
- Portfolio Monitoring & Early Warning
- Monitor portfolio health across delinquency, roll rates, charge-offs, recoveries, and vintage performance
- Build and maintain early-warning indicators tied to borrower behavior, macro trends, and policy changes
- Support stress testing and downside scenario analysis to assess earnings and capital sensitivity
- Translate portfolio performance into actionable insights for credit and finance leadership
- Data & Analytics Execution
- Write and optimize BigQuery SQL to analyze large-scale lending and performance datasets
- Use statistical tools (e.g., R, Python, or equivalent) to support profitability analysis, segmentation, and forecasting
- Produce clear, decision-ready analysis that links risk metrics directly to financial outcomes
- Ensure analytical outputs are reproducible, well-documented, and aligned with business decision cycles
- Implement automated data quality checks and validation routines
Qualification
Required Qualifications
- 5+ years of experience in credit risk, consumer lending, or portfolio analytics
- Strong hands-on experience with BigQuery or similar cloud data warehouses
- Solid understanding of consumer credit economics, including:
- Expected loss mechanics
- Pricing vs. risk trade-offs
- Portfolio-level profitability drivers
- Proven ability to connect analytics to real business decisions and financial outcomes
Preferred Qualifications
- FRM certification (completed or in progress)
- Experience working with RAROC, economic capital, or capital-constrained growth frameworks
- Exposure to pricing, limit management, or portfolio strategy in a consumer lending context
- Ability to communicate complex analytics clearly to senior credit, risk, and finance stakeholders
