Job Description
The Credit Risk Analytics owns the analytical foundation of the credit portfolio, translating raw transaction and customer data into actionable insights that drive approval optimisation, risk calibration, and customer profitability. This role sits at the intersection of risk management, product strategy, and data engineering, directly influencing credit decisioning, policy setting, and portfolio performance for a high-volume digital lending platform processing 1M+ daily transactions.
Unlike traditional credit risk analysts who focus on model building, this role emphasises portfolio observability, cohort-based performance tracking, and real-time decisioning optimisation across new and repeat user segments. You will own metrics that product, risk, and business teams depend on for decision-making, and you'll have the autonomy to challenge policy assumptions with data.
Requirements
Unlike traditional credit risk analysts who focus on model building, this role emphasises portfolio observability, cohort-based performance tracking, and real-time decisioning optimisation across new and repeat user segments. You will own metrics that product, risk, and business teams depend on for decision-making, and you'll have the autonomy to challenge policy assumptions with data.
Requirements
- Fintech: Familiarity with instant approval decisioning, h...
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