Senior Data Analyst

Tonik is a transformative digital bank with a mission to revolutionize the way money works.We create better financial products by encouraging inclusivity through simplifying processes, reducing costs, improving transparency and embracing flexibility to empower more people with unique financial needs, on the most secure mobile banking platform.To enable this, innovation is woven into the DNA of our company.

To further our mission, we are in need of a Senior Profitability Analyst 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 successful candidate will focus on turning risk signals into profitable lending decisions , ensuring growth is capital-efficient and sustainable.

More specifically:

Responsibilities

1. Profitability ...