Bybit - Senior Data Analyst - Loan Product & Customer
Requirements
• Fluent in English and Mandarin (written and spoken) • 5+ years of experience in data analysis, business intelligence, or a related analytical role • Background in lending products, consumer finance, credit risk, or fintech required • Strong proficiency in SQL and at least one analytical programming language (Python or R) • Experience with BI/visualization tools (Tableau, Looker, Power BI, or similar) • Solid understanding of user lifecycle analysis — acquisition, activation, retention, delinquency, and LTV modeling • Strong analytical thinking with the ability to translate complex data into clear, actionable insights • High attention to detail and commitment to data accuracy • Ability to work independently in a remote environment • Comfortable working across different timezones • Familiarity with crypto lending products — collateralized loans, margin lending, flexible/fixed credit lines, or DeFi lending mechanisms • Experience with credit scoring, risk modeling, or collections analysis • Experience with statistical analysis, forecasting, or machine learning techniques applied to credit/loan scenarios • Prior experience at a crypto exchange, digital asset platform, or neobank with lending capabilities • Why Join UsAt Bybit, we are committed to fostering a supportive and enriching work environment. Our benefits include:- Study Growth Fund: We support your professional development and continuous learning.- Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation.- Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world.- Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company.- Internal Mobility: Grow with us- Your long-term development is important to us. We offer internal job opportunities to help build your career path.
Responsibilities
• Analyze loan user behavior across the full lifecycle — from application, approval/rejection, disbursement, repayment patterns, to delinquency signals and churn • Build and maintain dashboards and automated reports to track Loan product performance, portfolio health, and key customer indicators (e.g., approval rate, utilization rate, repayment rate, NPL) • Conduct deep-dive analyses on Loan product performance, including draw-down trends, repayment flows, rollover/extension behavior, interest yield, and user retention • Identify high-value and high-risk user segments, model credit behavior and LTV, and provide data-driven recommendations to support loan product design, credit strategy, and risk appetite optimization • Monitor data quality and integrity across loan and customer systems, identifying and resolving metric discrepancies and anomalies • Support business, product, and risk teams with ad-hoc data requests, A/B test analysis, and impact assessments for new loan products, features, and campaigns • Develop and maintain data models and ETL pipelines for Loan and customer-related datasets • Collaborate with cross-functional stakeholders — including product, risk, finance, and compliance — to define metrics, align on data definitions, and standardize reporting • Provide actionable recommendations based on data findings to support user acquisition, loan utilization growth, and portfolio monetization strategies
Benefits
• At Bybit, we are committed to fostering a supportive and enriching work environment. • Study Growth Fund: We support your professional development and continuous learning. • Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation. • Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world. • Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company. • Internal Mobility: Grow with us- Your long-term development is important to us. We offer internal job opportunities to help build your career path.
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