Credit Risk Analyst

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• Analyze and assess creditworthiness of potential eligible base (EB) using various data sources, and internal scoring models.

• Contribute to the development, implementation, and refinement of acquisition credit risk strategies and eligibility policies.

• Monitor the effectiveness of current credit strategies and recommend adjustments based on portfolio performance, market trends, and risk appetite.

• Utilize statistical analysis and modeling techniques to enhance risk segmentation and decision-making.

• Collect, analyze, and interpret large datasets related to loan originations, and early portfolio performance.

• Develop and maintain regular reports on key risk indicators (KRIs), EBs and disbursements, take up rates, and other relevant metrics.

• Present findings and recommendations to senior management and other stakeholders in a clear and concise manner.

• Monitor the credit quality of newly originated loans and identify emerging risk trends.

• Collaborate with collections and portfolio management teams to understand the impact of acquisition strategies on downstream performance.

• Work closely with cross-functional teams, including Products, Tech, and Sales, to optimize the loan processes and enhance risk management capabilities.

• Identify opportunities for process improvements and automation within the credit risk function.

• Participate in ad-hoc projects and initiatives related to credit risk management.