Role Description
As a Credit & Pricing Analyst at the company, you will be at the center of their mission to achieve sustainable profitability. You will report to the Group Head of Credit and take ownership of the analytical engine that drives their credit and pricing strategies. You will:
• Drive Profitability Through Data: Develop, monitor, and refine their pricing models to consistently achieve profitability targets. You will model the P&L impact of changes to pricing, credit policies, and commission structures.
• Credit Performance Forecasting: Build and maintain models to forecast key credit metrics, including repayment rates and portfolio losses. Your forecasts will be a critical input for financial planning and strategic decisions.
• Enhance their Credit Risk Models: Analyse diverse customer and behavioral datasets to build, back test, and improve their automated credit scoring and risk-bucketing systems.
• Explore New Opportunities: Explore, test, and prototype new analytical models and data-driven projects to uncover opportunities for improving business performance and customer outcomes.
• Deliver Actionable Analysis: Go beyond just building models. You will investigate portfolio trends, identify drivers of good and bad performance, and provide clear, actionable recommendations to in-country teams.
• Own Commercial Outcomes: Being an analyst at the company is not about staying in a spreadsheet. You’ll be expected to own business outcomes, understand the second-order effects of your models on their sales and underwriting teams, and do work beyond pure analysis to make things happen.
Ideal Background
• Education: Bachelors or Honors degree in Actuarial Science, Statistics, Data Science, Mathematics, or a related quantitative field.
• Technical Skills: Strong proficiency in SQL for data extraction and manipulation. Advanced skills in Python or R for statistical analysis, modelling, and data visualization (e.g., scikit-learn, pandas, seaborn). Experience in building and maintaining credit scorecards, pricing models, or complex financial forecasts. Familiarity with data visualization or dashboarding tools (e.g., Tableau, Power BI) is a plus.
• Soft Skills: Strong analytical and problem-solving abilities. A highly commercial mindset with a focus on business impact. Excellent communication skills—you must be able to explain complex quantitative concepts to non-technical stakeholders. Combines high intellectual horsepower with a practical, hands-on approach. Must have an adventurous spirit and be willing to travel to their operating countries to engage directly with local teams and understand on-the-ground realities.
• Experience: 2-5 years of relevant experience in a credit risk, pricing, or data science role, preferably within fintech, lending, or financial services.
Skills Required
• SQL
• Python or R
• Statistical Modelling
• Credit Risk Analysis
• Financial / P&L Modelling