About the Role
The role involves assessing credit risk through data analysis, supporting underwriting decisions, and contributing to risk strategy in a consumer financial services environment.
Responsibilities
- Evaluate customer creditworthiness using financial records and data models
- Analyze trends in borrowing and repayment patterns
- Support underwriting policy development with data-driven insights
- Monitor portfolio performance and identify risk indicators
- Collaborate with data science teams to refine risk scoring systems
- Prepare reports for senior management on credit risk exposure
- Assist in stress testing and scenario modeling
- Ensure compliance with internal risk frameworks and regulatory standards
- Identify opportunities to improve credit decision accuracy
- Work closely with product teams to assess new lending product risks
- Maintain up-to-date knowledge of economic and industry trends
- Contribute to ad hoc risk analysis projects
- Validate data quality used in credit assessments
- Communicate risk findings clearly to non-technical stakeholders
- Support audits and regulatory inquiries related to credit decisions
- Track key risk metrics and performance indicators
- Help develop automated decision logic for credit applications
- Review historical lending outcomes to inform future strategies
- Participate in cross-functional initiatives related to financial risk
- Escalate emerging credit risks to relevant teams promptly
Compensation
Competitive salary with benefits
Work Arrangement
Hybrid
Team
Part of the risk and financial analysis division
About the Role
This position plays a key part in maintaining responsible lending standards by analyzing credit risk across customer segments. The analyst will use quantitative methods to support lending decisions and help shape risk policy.
What We Look For
We value analytical rigor, clear communication, and a proactive approach to identifying financial risk. Candidates should demonstrate experience translating data into actionable insights.
Available for qualified candidates
