Credit Senior analyst - Lending SME fintech lender - eFinancialCareers : Job Details

The role:

• Drive Credit Strategy Development: Own and evolve credit strategy across the customer lifecycle by assessing performance and implementing changes to policy, approval cut-offs, credit limits, and pricing models to optimise risk-adjusted returns.
• Monitor and Improve Portfolio Performance: Continuously track key credit metrics, cohort performance, and early warning indicators to identify emerging risks and opportunities. Recommend tactical or strategic changes to mitigate loss rates and drive portfolio profitability.
• Refine Underwriting Scorecards: Collaborate with Data Science teams to design, test, and deploy new scorecards and scorecard driven strategies in our automated credit systems.
• Leverage Alternative Data: Analyse structured and unstructured data from ecommerce platforms, open banking, and other non-traditional sources to improve underwriting precision and customer segmentation.
• Drive Pricing Optimisation: Support the development of dynamic, risk-based pricing models to ensure alignment between credit risk, customer lifetime value, and revenue objectives.
• Design and Run Experiments: Structure A/B tests and pilots to evaluate the impact of changes in credit policy, eligibility criteria, and pricing strategies.
• Collaborate Across Functions: Partner with teams in Product, Engineering, Sales, and Operations to ensure credit strategy aligns with customer experience, operational capabilities, and commercial goal

The Experience

• 2-5 years experience in unsecured lending
• Experience in a large bank or fintech
• Analytical background with a commercial mindset