Data Analyst - Credit Risk
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Requirements
- Skills needed: Deep problem-solving skills; ability to work with complex datasets.
- Years of experience: Not explicitly stated.
- Education: Not explicitly stated.
- Certifications: None mentioned in the job posting.
- Must-haves: Experience conducting statistical analyses, translating business problems into analytical requirements, analyzing credit decision outcomes and portfolio behavior, supporting pricing experiment design/evaluation, developing metrics and dashboards for tracking performance; ability to collaborate within Credit team as well as with Data Engineering and Product.
Responsibilities
- Credit risk deep dives: Conduct statistical analyses of credit performance and portfolio behaviour, delivering actionable insights with measurable business impact.
- Problem solving: Translate credit business hypotheses and problems into analytical requirements and develop a plan to execute the analysis/testing and deliver results.
- Credit decisioning analysis: Analyse performance of the credit decisioning framework, including assessment of conversion, losses and profitability. Identify opportunities to optimise decision components.
- Pricing testing: Support the design and evaluation of pricing experiments. Analyse data to understand customer elasticity and forecast impacts on conversion, revenue and risk.
- Insights and reporting: Develop metrics and dashboards to track credit performance and support ongoing decision making.
- Collaboration: Partner within Credit and with Product and Finance to ensure analytical insights are well-understood and inform changes to decisioning, pricing, and policy.
Benefits
- Continuous learning opportunities
- Supportive community proud to serve the mission
- Comprehensive benefits package
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