BA – Segment Management - Lending lifecycle

Business Analyst – Segment Management

• Segment Strategy & Design

• Design and maintain customer segmentation frameworks across the end-to-end lending lifecycle, including:
• + Acquisition segments (new-to-credit, new-to-platform, repeat borrowers)
• + Risk segments (score bands, behavior-based cohorts, early-warning segments)
• + Value segments (LTV-based, profitability-based, pricing sensitivity)
• + Behavioral segments (repayment behavior, utilization patterns, engagement)
• Define clear segment objectives, eligibility rules, and success metrics aligned with business strategy.
• Continuously refine segment definitions based on performance data and evolving portfolio dynamics.

• Advanced Analytics & BI Ownership

• Perform deep-dive analyses on segment-level performance, including:
• + Approval rate, conversion rate, booking volume
• + Utilization, repayment behavior, delinquency, roll-rates
• + Loss rate, margin, contribution profit, LTV
• Own and enhance segment-level dashboards and reporting (e.g., Tableau, Power BI, Looker, Grafana).
• Build self-serve analytical datasets and metric definitions to ensure consistency across teams.
• Ensure data accuracy, reconciliation, and alignment with Finance, Risk, and Data teams.

• Business Problem Solving & Diagnosis

• Act as a first-line analytical problem solver for segment-related business issues, such as:
• + Sudden drop in approval or conversion within a segment
• + Unexpected deterioration in repayment or delinquency
• + Misalignment between growth and risk performance
• Conduct root-cause analysis using structured frameworks and data triangulation.
• Translate analytical findings into clear, actionable recommendations for stakeholders.
• Cross-Functional Collaboration
• Work closely with:
• + Product teams to design segment-specific journeys, pricing, and offers
• + Risk teams on score thresholds, policy tuning, and early-warning indicators
• + Marketing / Growth teams on targeting, campaign optimization, and personalization
• + Operations & Customer Support on segment-specific issues, complaints, and exceptions
• + Finance on profitability, reconciliation, and forecasting
• Serve as a bridge between business stakeholders and data/engineering teams, ensuring analytical requirements are correctly translated into data solutions.

• Experimentation & Optimization

• Support segment-level experimentation (A/B testing, policy experiments, offer testing).
• Define hypotheses, success metrics, and measurement frameworks.
• Analyze experiment outcomes and provide data-driven recommendations for rollout or iteration.

• Executive & Management Reporting

• Prepare clear, concise, and insight-driven presentations for senior management.
• Convert complex data into structured narratives highlighting risks, opportunities, and trade-offs.
• Support strategic discussions around portfolio mix, growth targets, and risk appetite at a segment level.

Education

• Bachelor’s degree in Business, Finance, Economics, Statistics, Data Science, Engineering, or related fields.
• Master’s degree (MBA, Analytics, Finance) is a strong plus.

Experience

• 5–8+ years of experience in:
• + Business analytics, BI, segment management, or strategy roles
• + Lending, credit, banking, or fintech environments
• Proven experience working in large financial institutions or scaled fintech platforms.
• Direct exposure to retail lending products (personal loans, BNPL, credit cards, installment loans).

Technical & Analytical Skills

• Strong hands-on capability in:
• + SQL (advanced querying, joins, window functions)
• + BI tools (Tableau, Power BI, Looker, etc.)
• + Excel / Google Sheets (advanced modeling, scenario analysis)
• Solid understanding of:
• + Credit metrics and portfolio KPIs
• + Segment-level profitability and unit economics
• Experience working with large, complex datasets across multiple systems.

Core Competencies

• Exceptional logical thinking and structured problem-solving ability.
• Strong business judgment with the ability to balance growth, risk, and profitability.
• Ability to operate with ambiguity and convert unclear business questions into structured analytical approaches.
• Strong stakeholder management and communication skills.
• High attention to detail with a strong sense of ownership and accountability.

Preferred (Nice To Have)

• Experience with:
• + Credit scoring, risk segmentation, or behavioral modeling
• + Experimentation platforms and A/B testing frameworks
• + Data governance or metric standardization initiatives
• Familiarity with modern data stacks (cloud data warehouses, event-based data).
• Experience supporting regional or multi-market lending portfolios.