Associate Credit Analyst at Ezra

About the role:


We are seeking a highly analytical, detail-oriented, and proactive Credit Analyst to join our team. This pivotal role is essential for bolstering our credit risk management framework by providing robust support for credit analytics, ongoing portfolio monitoring, and data-driven strategic decision-making.
The successful candidate will play a critical role in maintaining the integrity and accuracy of our credit data and analytics processes. This position is ideally suited for candidates who possess demonstrable, hands-on experience with advanced data querying languages, specifically SQL, and a strong foundation in data analysis and manipulation. A key expectation for this role is the ability to work with a high degree of independence, ensuring the timely delivery of accurate, actionable credit insights and maintaining reliable, high-quality regulatory and internal reporting packages.


Key responsibilities:


Analyze consumer credit data to support underwriting and portfolio monitoring
Develop and maintain SQL queries for recurring and ad hoc analysis
Produce regular reports and dashboards on portfolio performance (e.g., delinquency, roll rates, loss metrics)
Conduct exploratory data analysis to identify trends, anomalies, and emerging risk indicators
Monitor performance of existing credit policies, rules, and scorecards, and flag issues or opportunities
Collaborate with Risk, Product, Finance, and IT teams to support data and reporting needs
Ensure data accuracy, integrity, and compliance with internal standards and regulatory requirements


Qualifications and Experience:


Bachelor's degree in Finance, Economics, Statistics, Data Science, or a related field
2 - 4 years of experience in credit risk, analytics, or a similar role
Solid understanding of credit risk principles (credit scoring, underwriting, delinquency and loss metrics)
Proficiency in SQL (joins, aggregations, and query structuring)
Experience working with structured datasets and performing data analysis
Strong analytical thinking and attention to detail
Professional proficiency in English


Preferred Qualifications:


Experience in financial services, fintech, or lending environments
Familiarity with data visualization tools (e.g., Tableau, Power BI)
Working knowledge of Python, R, or advanced Excel


French language skills (beneficial)

The ideal candidate is someone who:


Delivering accurate, timely, and reliable data outputs and insights
Maintaining robust and efficient reporting processes
Identifying meaningful trends and escalating risks appropriately
Building strong working relationships across teams