AM/M - Risk Analytics - User Lending

Own and drive risk analytics initiatives across digital lending portfolios, including BNPL, Personal Loans, and other unsecured lending products.

Identify portfolio trends, diagnose emerging risks, and conduct deep-dive RCAs to understand key drivers of credit performance.

Partner closely with Business, Product, Data Science, and other cross-functional teams to conceptualize and execute risk strategies and projects.

Evaluate existing and proposed credit policies and translate portfolio insights into actionable risk interventions.

Hands-on experience managing or analyzing portfolios in BNPL, Personal Loans, or other unsecured digital lending businesses.

Strong RCA, analytical, and critical-thinking skills, with the ability to translate complex data into clear business insights.

Strong understanding of PD, EAD, and LGD modelling and their application in Expected Credit Loss (ECL).

Strong working knowledge of SQL and experience with data-mining tools/systems such as Hive, Metabase, or equivalent databases.