Unsecured Credit

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Company:

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Summary:

We are seeking highly motivated Junior Analysts with 4–8 years of experience in risk management and credit analytics to join our dynamic team. The ideal candidate will have a solid understanding of unsecured credit products, credit cards, and P&L dynamics, combined with strong analytical and business acumen. This role requires proficiency in SAS and SQL, with hands-on experience in regression and decision tree modeling. Candidates should be adept at generating insights, automating reports, and communicating effectively with US-based managers.

Responsibilities:

• Perform portfolio analytics on unsecured credit products and credit cards, focusing on risk and P&L domains.
• Generate insights from large datasets using SAS and SQL, and communicate findings to stakeholders.
• Apply statistical techniques such as regression and decision trees to analyze portfolio performance and customer behavior.
• Conduct risk analysis and monitor portfolio trends to identify early warning signals and business opportunities.
• Develop and automate reporting processes to improve efficiency and accuracy.
• Create dashboards and visualizations in Tableau to present insights and portfolio performance metrics.
• Translate business problems into analytical solutions and provide actionable recommendations.
• Work independently to solve problems, generate insights, and deliver high-quality outputs under tight timelines.
• Collaborate with US managers and internal teams to ensure clear communication of insights and strategies.
• Stay updated on industry trends, credit product dynamics, and best practices in risk analytics.

Requirements:

• Bachelor’s degree in finance, economics, statistics, mathematics, business, or related field.
• 4–8 years of experience in risk management, credit analytics, or related domains.
• Basic understanding of unsecured credit products, credit cards, and P&L mechanics.
• Strong analytical skills with the ability to interpret complex data and provide business insights.
• Proficiency in SAS and SQL (mandatory).
• Experience with regression and decision tree modeling techniques.
• Solid understanding of how credit products work in the real world.
• Effective communication skills, especially for interaction with US-based managers.
• Ability to work independently and collaboratively in a fast-paced environment.
• Appetite and aptitude for coding and automation.

Preferred Qualifications:

• Advanced Tableau skills for report generation and visualization.
• Experience in risk analytics or P&L management within large-scale financial institutions.
• Exposure to US credit card or unsecured lending markets.

Benefits:

• Competitive salary
• Health insurance
• Paid time off and holidays
• Professional development opportunities