Product Analytics - Credit Card

About Tiger Analytics

Tiger Analytics is a global leader in AI and analytics, helping Fortune 1000 companies solve their toughest challenges. We offer full-stack AI and analytics services & solutions to empower businesses to achieve real outcomes and value at scale. We are on a mission to push the boundaries of what AI and analytics can do to help enterprises navigate uncertainty and move forward decisively. Our purpose is to provide certainty to shape a better tomorrow.

Our team of 4000+ technologists and consultants are based in the US, Canada, the UK, India, Singapore and Australia, working closely with clients across CPG, Retail, Insurance, BFS, Manufacturing, Life Sciences, and Healthcare. Many of our team leaders rank in Top 10 and 40 Under 40 lists, exemplifying our dedication to innovation and excellence.

We are a Great Place to Work-Certified™ (2022-24), recognized by analyst firms such as Forrester, Gartner, HFS, Everest, ISG and others. We have been ranked among the ‘Best’ and ‘Fastest Growing’ analytics firms lists by Inc., Financial Times, Economic Times and Analytics India Magazine.

About the role

This role is for a highly analytical and detail-oriented individual to join our Credit Card Product team. The Credit Card Product Analyst will play a crucial role in leveraging data to understand customer behavior, product performance, and market trends, ultimately driving strategic product decisions and enhancing the overall credit card portfolio.

Responsibilities:

Data Extraction & Analysis:

• Extract, manipulate, and analyze large datasets using tools like SQL, SAS, Python, or R.
• Develop and maintain data models, dashboards, and reports to monitor key performance indicators (KPIs) related to credit card products (e.g., acquisition, activation, usage, retention, profitability, risk).
• Perform in-depth ad-hoc analysis to identify trends, opportunities, and areas for improvement across the credit card product lifecycle, P&L (revenue and cost components)

Insight Generation & Storytelling:

• Translate complex data findings into clear, concise, and actionable insights and recommendations for product managers, senior leadership, and cross-functional teams.
• Develop compelling presentations and narratives to communicate insights effectively, articulating the "why" behind the data.
• Identify customer needs, behaviors, and pain points through data analysis to inform product enhancements and new feature development.

Product Performance Monitoring & Optimization:

• Track and analyze the performance of existing credit card products, identifying drivers of success and areas of underperformance.
• Support the development and evaluation of business cases for new product initiatives, features, and pricing strategies.
• Collaborate with marketing, sales, risk, operations, and technology teams to implement data-driven product strategies and campaigns.
• Monitor competitive landscape and market trends to identify opportunities for product innovation and differentiation.

Risk & Compliance Analytics:

• Work closely with the credit risk team to analyze credit card portfolio risk, identify potential issues, and support the development of risk mitigation strategies.
• Ensure all analytical activities comply with relevant regulatory requirements and internal policies.

Process Improvement:

• Continuously seek opportunities to improve data collection, analysis, and reporting processes.
• Automate reporting and analytical tasks where possible to increase efficiency.

Skill & Experience

Experience:

• Proven experience (6+ years, depending on level) in a data analytics role, within the financial services industry, with a focus on credit cards.
• Hands-on experience with data extraction and manipulation using SQL, SAS, Python, or R.
• Experience with data visualization tools (e.g., Tableau, Power BI) is highly desirable.
• Familiarity with credit card product lifecycle, key metrics, and industry best practices.

Skills:

• Strong Analytical & Problem-Solving Skills: Ability to interpret complex data, identify patterns, and draw meaningful conclusions. Excellent critical thinking and logical reasoning.
• Technical Proficiency: Advanced proficiency in SQL and/or SAS is essential. Experience with Python or R for data analysis is a strong plus.
• Data Visualization: Ability to create clear, compelling, and informative data visualizations.
• Business Acumen: Solid understanding of credit card business models, profitability drivers, and customer segments.
• Communication: Excellent written and verbal communication skills, with the ability to articulate complex analytical findings to both technical and non-technical audiences.
• Collaboration: Ability to work effectively in a cross-functional team environment.
• Proactive & Self-Motivated: A self-starter who can take initiative, manage multiple projects, and drive them to completion with minimal supervision.
• Attention to Detail: Meticulous approach to data accuracy and analysis.

Good to have:

• Experience with big data technologies (e.g., Hadoop, Spark).
• Knowledge of advanced statistical modeling or machine learning techniques.
• Experience with A/B testing and experimental design.
• Familiarity with financial regulations pertaining to credit cards.

Qualification

Education: Bachelor's degree in a quantitative field such as Finance, Economics, Statistics, Mathematics, Computer Science, or a related discipline. A Master's degree is a plus. Looking for Tier 1 colleges / business schools.