Analyst

• 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.
• Develop and maintain NPV valuation (financial) models for 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.
• Translate business problems to statistical problems and leverage machine learning technology to solve business problems.
• Experiment with new tools, techniques, algorithms and methodologies to enhance the bank’s capabilities

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