Senior Credit Strategy Analyst

Lead development, improvement and monitoring of processes for payment default and balance persistency guidance for personal loans

Own forward looking guidance and performance outcomes of material portfolio segments

Provide scenario analysis and financial impact sizing from changes in credit underwriting and pricing policy.

Assess macroeconomic trends and adjust expectations accordingly

Partner with Capital Markets, Credit Strategy on return targets

Ensure decision logic is scalable, compliant, and operationally sound

Escalate emerging risks with clear analysis and recommendations

Maintain governance standards and strategy documentation

Mentor junior team members and promote best practices

Operate with high independence and strategic judgment

Influence major underwriting and pricing strategy changes

Support highly complex, cross-functional initiatives

Balance growth, risk, profitability, and regulatory considerations

Bachelor’s degree in quantitative field or equivalent experience

6–10 years in credit risk, loss forecasting or portfolio analytics

Expertise in forecasting payment default behavior and balance persistency for lending products

Advanced analytical expertise and business judgment

Proven ability to influence senior stakeholders

Clear ownership of processes and process outcomes

Trusted cross-functional partnership

Demonstrated leadership and mentorship impact