Risk Analyst/ Credit Analytics/ Data Analyst

I. Job Summary:

We are seeking a motivated Risk Analytics Supervisor to join our dynamic Risk Analytics team. The successful candidate will play a key role in supporting identification, assessment, and mitigation of credit risks across various unsecured lending products. This role involves working with large datasets, utilizing SQL (or SAS) and Excel to perform detail analyses, and effectively communication findings in English to stakeholders.

II. Key Roles & Responsibilities:

1. Credit risk analysis and portfolio monitoring

- Conduct comprehensive risk assessments: evaluate portfolio to identify potential credit risks using various reports and indicators (delinquency rates, roll rates, early warning, etc.).

- Monitor risk indicators: regularly track key risk indicators to detect emerging risks.

- Monitor credit policies: monitor credit policies to assess the impact of new policies on portfolio and customer profiles.

2. Reporting

- Prepare detailed reports: generate periodic (Portfolio Quality Report, A, B Score, etc.) and ad-hoc reports in English for internal and external teams, summarize analysis results and providing actionable insights.

- Present findings: communicate data interpretations clearly to both technical and non-technical audiences with varying levels of expertise.

- Update existing reports: adjust the content of periodic reports as situations arise. For example, add new metrics, delete, or adjust existing metrics.

- Maintain documentation: keep thorough records of methodologies, analysis, reports, guidelines and manual for transparency and future reference.

3. Data management

- Utilize SQL/SAS for data handling: develop and maintain Risk Analytics’ data marts using SQL/SAS to support risk analysis activities.

- Ensure data integrity and punctuality: perform data cleaning and validation processes to maintain the accuracy and reliability of data marts, ensure punctual generation of data marts for internal usages.

- Maintain documentation: keep thorough records of data mart description for transparency and future reference.

4. Provide ad-hoc analysis and other tasks as assigned

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Science, Management Information System, or a related quantitative discipline.

• Relevant certification (e.g., CFA, FRM, Data Analysis, Data Science) is prefer

• 2-3 years of experience in risk analysis, data analysis, or a similar role at banking or consumer finance company

• Experience with unsecured lending products, and credit analysis

• Good skills in SQL or SAS for data manipulation and analysis.

• Good Excel skills, including pivot table, charts.

• Familiarity with R or Python is a plus

• Ability to explain complex analytical findings to non-technical audiences.

• Experience in writing formal reports and presenting findings to stakeholders in English

• Ability to work independently with minimal supervision.

• High level of integrity and professional ethics.

• Ability to review numerous reports and metrics to find out actionable insights or to validate the reliability of new findings.

• Good time management and the ability to handle multiple tasks simultaneously.

• Good organizational skills with a focus on accuracy and meeting tight deadlines