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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in consumer lending risk analysis, including portfolio performance monitoring, credit risk assessment, and data-driven decision-making. Proficient in building and maintaining Tableau dashboards and utilizing SQL for data analysis to support risk management and reporting.
Highest-signal resume keywords
Consumer Lending Risk AnalysisTableau Dashboard DevelopmentSQL ProficiencyPortfolio Performance MonitoringCredit Risk Assessment
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Data AnalysisPortfolio AnalyticsVintage AnalysisCredit Bureau Data AnalysisPython ProgrammingExcel ProficiencyRisk Metric AnalysisSegmentation AnalysisCohort AnalysisPerformance Forecasting
Soft Skills
Problem-SolvingAttention to DetailCommunication SkillsIndependent PrioritizationCommercial Judgement
Tools & Technologies
TableauSQLExcelPython
Industry Keywords
Consumer LendingFintechRetail CreditPortfolio RiskCredit AnalyticsLending LifecycleDelinquency ManagementCollections PerformanceRisk Appetite MonitoringData Quality Improvement
Tech Stack
Tools & technologiesPythonSQLTableau
About the role
Key responsibilities & impact- Provide dedicated portfolio analytics for the Consumer Lending Risk team.
- Monitor performance across applications, approvals, disbursements, repayments, delinquency, collections, and recoveries.
- Analyse portfolio vintages and key risk metrics, including first payment default, early delinquency, PAR and DPD, roll rates, cure rates, defaults, recoveries and credit loss trends.
- Perform segmentation analysis by risk grade, customer profile, product, loan amount, tenor, pricing, acquisition channel and other relevant dimensions.
- Monitor the end-to-end lending funnel and identify drivers of approval, conversion, utilisation and portfolio performance.
- Build, automate and maintain Tableau dashboards for Risk, management and relevant stakeholders.
- Assess the impact of changes to credit rules, limits, pricing, underwriting and product strategies through cohort, vintage and policy-impact analysis.
- Identify emerging portfolio risks, investigate root causes and recommend interventions.
- Track collections performance and collaborate with Collections on delinquency movements, treatment effectiveness and recovery outcomes.
- Support portfolio forecasting, risk appetite monitoring, performance reviews and periodic management and credit reporting.
- Partner with Product, Data and BI, Engineering, Underwriting and Collections to improve data availability, quality and reporting.
Requirements
What you’ll need- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, or a related discipline.
- At least 3 years of relevant experience in consumer lending, fintech, retail credit, portfolio risk, or credit analytics.
- Demonstrated experience analysing loan portfolio performance and the lending lifecycle from application and underwriting through repayment, delinquency, and collections.
- Hands-on experience building and maintaining Tableau dashboards.
- Experience analysing credit bureau data and affordability, income or salary-verification signals is an advantage.
- Strong SQL and data-analysis skills; proficiency in Excel is required.
- Experience with Python or another analytical language is an advantage.
- Strong understanding of consumer credit risk, portfolio monitoring and lending economics.
- Working knowledge of vintage analysis, PAR and DPD, roll rates, cure rates, defaults, recoveries and loss trends.
- Ability to interrogate large datasets, validate results and translate findings into clear business actions.
- Strong problem-solving skills, attention to detail and sound commercial judgement.
- Ability to communicate analytical findings clearly to technical and non-technical stakeholders.
- Ability to manage priorities independently in a fast-paced, cross-functional environment.
Benefits
Comp & perks- Private Health Insurance
- Performance Bonus
- Pension Plan
- Training & Development