Analyst

• 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.

Portfolio Analyst, Consumer Lending

• Design scientific coding tasks with one main problem and at least 3 logically connected sub-problems
• Implement verified Python solutions with complete unit test coverage
• Create discriminative test cases that distinguish correct from incorrect AI-generated outputs
• Perform quality control checks using the Central Task Platform (CTP), including Tier 1 structure checks and Tier 2 quality rubrics
• Revise tasks and solutions based on QC feedback
• Optimize tasks against Pass@K evaluation criteria across multiple LLM judges, including GPT, Gemini, and Nemotron
• Validate scientific correctness, determinism, well-posedness, and expected outputs
• Maintain a low rework rate and high first-submission quality
• Participate in project reviews, feedback sessions, and standups during required overlap hours

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