Senior Data Analyst

Philippines - Upsell

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The Senior Data Analyst is responsible to drive risk-adjusted profitability (RAROC) across our consumer credit portfolio. This role sits at the intersection of credit risk, pricing, and portfolio economics, with a clear mandate: optimize money in versus money out. The Senior Analyst will focus on turning risk signals into profitable lending decisions, ensuring growth is capital-efficient and sustainable.

Responsibilities

Profitability & RAROC Optimization

Own loan-level and segment-level profitability analysis, incorporating interest income, fees, funding costs, expected losses, and operating expenses

Design and maintain RAROC and contribution margin frameworks used to guide:

Approval cutoffs

Risk-based pricing

Credit limit management

Identify negative or sub-optimal RAROC segments and recommend corrective actions (pricing adjustments, policy tightening, exposure reduction)

Quantify the profit impact of strategy changes before implementation

Automate recurring profitability reports and dashboards

Portfolio Monitoring & Early Warning

Monitor portfolio health across delinquency, roll rates, charge-offs, recoveries, and vintage performance

Build and maintain early-warning indicators tied to borrower behavior, macro trends, and policy changes

Support stress testing and downside scenario analysis to assess earnings and capital sensitivity

Translate portfolio performance into actionable insights for credit and finance leadership

Data & Analytics Execution

Write and optimize BigQuery SQL to analyze large-scale lending and performance datasets

Use statistical tools (e.g., R, Python, or equivalent) to support profitability analysis, segmentation, and forecasting

Produce clear, decision-ready analysis that links risk metrics directly to financial outcomes

Ensure analytical outputs are reproducible, well-documented, and aligned with business decision cycles

Implement automated data quality checks and validation routines

Qualification

Required Qualifications

5+ years of experience in credit risk, consumer lending, or portfolio analytics

Strong hands-on experience with BigQuery or similar cloud data warehouses

Solid understanding of consumer credit economics, including:

Expected loss mechanics

Pricing vs. risk trade-offs

Portfolio-level profitability drivers

Proven ability to connect analytics to real business decisions and financial outcomes

Preferred Qualifications

FRM certification (completed or in progress)

Experience working with RAROC, economic capital, or capital-constrained growth frameworks

Exposure to pricing, limit management, or portfolio strategy in a consumer lending context

Ability to communicate complex analytics clearly to senior credit, risk, and finance stakeholders