Risk Analyst - Risk Strategy & Analytics - Credit

• Design and optimize data-driven credit related strategies for consumer and SME loans, including anti-fraud, collection, and risk policies.
• Evaluate the creditworthiness of new applicants and monitor the life-time financial performance of existing customers.
• Conduct data analysis on risk exposure and profitability to identify opportunities for product and strategy improvement. Provide credit risk insights and recommendations to internal teams and stakeholders.
• Develop and track key indicators to detect fraudulent activities and optimize risk strategies to control the risk
• Work with internal Product and Data Science team to ensure that the credit risk strategies are implemented accurately
• Assess business operations and market trends to enhance competitive positioning.

Requirements

• Bachelor’s degree in Quantitative Finance, Statistics, Computer Science, Business Analytics, Data Science, or related fields.
• Strong analytical skills and experience in data management.
• Proficiency in SQL, Python, Excel, PPT.
• Ability to navigate ambiguity, develop testable hypotheses, and drive actionable outcomes.
• Strong attention to detail and ability to identify data inconsistencies.
• Effective communication skills to present complex insights to technical and business stakeholders.
• Prior experience in Retail/Institutional Banking, Consumer/SME Finance, Supply Chain Finance, e-Commerce, Consulting, or Credit Ratings is a plus.