Portfolio & Credit Risk Management Analyst

Implement credit risk policies and acquisition strategies for Salary Lending and new products while ensuring compliance and risk optimization. Design, test, and execute credit strategies, pricing policies, and portfolio management frameworks to drive profitability and mitigate risk. Monitor portfolio performance, underwriting operations, and key risk indicators (KPIs) to enable proactive decision-making. Conducted data-driven analysis and collaborated with data engineering to enhance BI tools, core data sets, and risk assessment capabilities. Partner with Data & Analytics to develop advanced Credit Algorithms, predictive models, and research insights on portfolio risk and industry trends. Lead and collaborate on cross-functional projects on risk management, profitability, and process optimization. You closely monitor the portfolio. You do analyses, deep dives, etc., on the portfolio, be it relevant to optimization (opportunities) or investigation of noted changes in portfolio behavior (risks), using data segmentation techniques such as Python, SQL, Google Sheets, etc. You work on developing and improving the core credit framework.