Senior Credit Analyst

We are looking for a skilled and motivated professional to join as the Sr. Risk Strategy Analyst for Credit and Pricing Strategy based out of our office in Bangalore, India. The successful candidate will possess a strong analytical mindset, an understanding of credit risk management and profitability assessment, and the ability to make data-driven decisions.

The candidate will apply their knowledge of data analytics and risk management to inform and improve decision-making processes. They will be responsible for developing, implementing, evaluating and monitoring strategies pertaining to fundamental areas of credit. The candidate will play a crucial role in conducting in-depth financial analyses, and optimizing losses and loan pricing for our lending portfolio.

Responsible for driving projects that achieve corporate and business level OKR. Work cross-functionally with operations, risk analytics, business operations, product, and business unit leaders to understand different viewpoints, obtain data to make tradeoff decisions, and then conduct independent analysis of possible courses of action

The candidate will report functionally to the Manager of Credit Risk & Pricing Strategy, based out of the US, and locally to the Manager of Credit Strategy, based out of Bangalore, India.

What You'll Do:

• Partner closely with lending managers and cross-functional teams like product, finance, risk analytics & capital markets to identify and recommend opportunities to improve risk strategies considering profitability as business objective
• Monitor and evaluate the risk adjusted margin of the credit portfolio to identify opportunities for pricing and loss improvement and propose pricing changes ( rate, fee structure) and risk policy changes
• Enhance existing credit risk strategies and pricing framework and help build a robust and scalable process
• Develop Risk based pricing structure including considerations of impact on funnel; adverse selection and risk adjustment margin; execute and monitor risk strategies and pricing test campaigns
• Provide data-driven insights to senior management to support strategic decision-making
• Identify opportunities and scale additional areas of risk and pricing reporting and strategy

What We Look For:

• Strategic & analytic orientation - Strategic mindset with the ability to align risk and pricing strategies with overall business goals. Conceptual thinking skills must be complemented by a strong quantitative orientation with ability to drive decision-making & problem-solving based on data.
• Strong business judgment, leadership and integrity: Ability to make informed and timely decisions based on data analysis
• Ability to navigate unstructured problems - Someone who gets excited about creating structure from an unstructured problem area; and is not afraid to get their hands dirty
• Strong communication skills: Ability to convey complex concepts to diverse audience, including executives, team members, and other stakeholders
• Clear results orientation: Display an intense focus on achieving both short and long term goals
• Adaptability: Someone who is excited to work in a fast paced, entrepreneurial and dynamic environment.
• Continuous Learning: Eagerness for ongoing professional development and staying informed of industry trends
• Bachelors Degree in any quantitative field (Business, Math, Economics, Finance, Statistics, Science, Engineering) from a recognized Tier 1 institution
• 3+ years of relevant experience in analytics, strategy, etc.
• SQL, BI and Excel high proficiency
• Regression & forecasting modeling techniques
• Experience in building financial/valuation models
• Experience in test design, A/B Testing

Bonus points if you also have:

• Experience in Financial services (U.S. bank/fintech/line of credit/credit card experience a plus)
• Experience in Credit products
• Knowledge of Python.