Credit Analyst at Ezra

About the role:


We are seeking a highly motivated, proactive, and commercially minded Senior Credit Analyst to take a leading role within our Credit team. This position is central to enhancing our credit risk management capabilities.
The successful candidate will be responsible for leading sophisticated credit analytics, driving deep portfolio insights, and playing a pivotal role in the development and refinement of our overarching credit strategy and policy framework.
The Senior Credit Analyst will be instrumental in safeguarding the quality of the credit portfolio while identifying opportunities for commercially sound growth.


Key responsibilities:


Lead analysis of consumer credit portfolios, identifying key risk drivers and performance trends
Design, optimize, and oversee complex SQL queries and analytical workflows
Translate data insights into actionable recommendations for underwriting strategy and credit policy
Develop, refine, and validate credit rules, scorecards, and segmentation strategies
Monitor portfolio health (delinquency, default, loss, and vintage performance) and recommend proactive actions
Partner with senior stakeholders across stakeholders to influence decision-making
Drive improvements in data processes, reporting automation, and analytical frameworks


Qualifications and Experience:


Bachelor's degree in Finance, Economics, Statistics, Data Science, or a related field
4 - 7+ years of experience in credit risk, analytics, or lending environments
Strong understanding of credit risk modeling, portfolio analytics, and policy design
Advanced SQL proficiency and experience working with large datasets
Proven ability to independently manage analytical projects and influence outcomes
Strong communication and stakeholder management skills
Professional proficiency in English


Preferred Qualifications:


Experience in fintech or digital lending environments
Proficiency in Python or R for data analysis or modeling
Experience with credit scorecards or risk model development
Familiarity with regulatory frameworks in consumer lending
French language skills (beneficial)


The ideal candidate is someone who:


Driving measurable improvements in portfolio performance and risk management
Influencing credit strategy through data-driven insights
Delivering high-quality, scalable analytical solutions
Elevating team capability through mentorship and process improvements
Acting as a trusted advisor to business stakeholders