Senior Analyst – Credit Strategy, Analytics

GoTyme Bank

full-time

Posted on: 1/15/2026

Location Type: Remote

Location: India

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About the role

Analyze credit applications, customer profiles, and financial data to assess risk
Interpret credit scoring models, behavioral data, and alternative data sources to support credit decisions
Assist in setting and refining credit policies and underwriting criteria
Work with the business to develop and maintain NPV valuation (financial) models for the lending products, credit strategies, and portfolio performance
Monitor performance metrics such as delinquency, default rates, and recovery
Conduct cohort and segmentation analysis to identify trends and early warning indicators
Support the development of risk dashboards and reporting tools
Design, execute, and analyze lending campaigns aimed at driving credit usage, improving repayment behavior, or reducing risk
Partner with business, marketing, CRM, and product teams to ensure alignment of campaign goals with credit policies
Monitor campaign performance and provide recommendations for optimization
Work with business, product, engineering, and collections teams to design and implement lending workflows
Provide analytical support during new product rollouts or changes in credit policy
Participate in cross-functional discussions on customer experience and product risk
Experiment with new tools, techniques, algorithms and methodologies to enhance the bank’s capabilities

Bachelor’s degree or higher in applied mathematics, statistics, computer science, physics, data science, economics, engineering or equivalent quantitative discipline
2–5 years of experience in consumer lending (credit cards or personal loans or BNPL required)
Strong SQL for data manipulation and reporting
Proficiency in Python for analytics, modeling, and automation
Exposure to AI/ML frameworks (advantageous but not required)
Proficiency in Excel, and/or data visualization tools (e.g., Tableau, PowerBI)
Strong analytical problem-solving skills and attention to detail
Excellent communication skills – able to present complex findings in a clear, concise manner.
Experience in fintech, digital banking, or technology-driven financial institutions preferred

Benefits

Competitive compensation and benefits package
Opportunity to apply AI/ML in real-world credit decisioning , from onboarding to collections
Work in a remote-first setup with flexible arrangements
Collaborate with fintech innovators and a high-performing analytics team
Accelerate your career by working at the intersection of data, AI, and financial inclusion

Tip: use these terms in your resume and cover letter to boost ATS matches.

SQLPythondata manipulationdata visualizationExcelcredit scoring modelsfinancial modelingcohort analysissegmentation analysisrisk analysis

analytical problem-solvingattention to detailcommunication skillscollaborationpresentation skills