Job Purpose
The Credit Data Analyst is responsible for collecting, cleaning, analyzing, and interpreting credit-related data to support risk management, lending decisions, and portfolio optimization.
The role enhances credit policy, early warning systems, and data-driven insights to improve portfolio quality and operational efficiency.
What You'll Do
Analyze portfolio performance across delinquency, NPLs, roll rates, vintage curves, and recoveries
Build dashboards and automated reports using SQL, Excel, Power BI/Tableau
Support credit scoring and risk model development/monitoring
Develop early warning indicators for high-risk accounts
Provide insights to improve underwriting strategy and credit policy
Support regulatory reporting, audits, and data governance
What We're Looking For
Bachelor's Degree in Statistics, Mathematics, Economics, Finance, Data Science, or related field
3 - 5+ years in Credit Analytics, Risk Analytics, or Data Analysis within Financial Services
Strong SQL, Excel, and Python/R skills
Experience with Power BI, Tableau, or Qlik is a plus
Solid understanding of credit risk metrics (PD, LGD, NPLs, delinquency buckets)
Prior experience in Banking, Fintech, Microfinance, or Lending preferred.