About the Job:
The Business Analyst – Segment Management is responsible for designing, analyzing, and continuously optimizing customer segments across the lending lifecycle. This role sits at the intersection of business strategy, advanced analytics, and execution, acting as a strategic partner to Product, Risk, Marketing, Operations, and Finance teams.
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The position requires a hybrid Business Intelligence (BI) and Business Analyst (BA) profile: deep hands-on data analytics capability combined with strong business logic, financial acumen, and structured problem-solving skills. The individual will translate complex data into actionable segment strategies that drive portfolio growth, profitability, risk balance, and customer experience.
Key Responsibilities:
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Segment Strategy & Design:
- Design and maintain customer segmentation frameworks across the end-to-end lending lifecycle.
- Define segment objectives, eligibility rules, and success metrics aligned with business strategy.
- Continuously refine segment definitions based on performance data.
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Advanced Analytics & BI Ownership:
- Perform analyses on segment performance metrics.
- Own and enhance segment-level dashboards and reporting tools.
- Ensure data accuracy and alignment with stakeholders.
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Business Problem Solving & Diagnosis:
- Act as an analytical problem solver for segment-related issues.
- Conduct root-cause analysis and translate findings into actionable recommendations.
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Cross-Functional Collaboration:
- Work closely with Product, Risk, Marketing, Operations, and Finance teams.
- Serve as a bridge between business stakeholders and data/engineering teams.
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Experimentation & Optimization:
- Support segment-level experimentation and define hypotheses and success metrics.
- Analyze experiment outcomes for data-driven recommendations.
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Executive & Management Reporting:
- Prepare concise presentations for senior management highlighting risks and opportunities.
Required Qualifications & Experience:
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Education:
- Bachelor’s degree in Business, Finance, Economics, Statistics, Data Science, Engineering, or related fields.
- Master’s degree (MBA, Analytics, Finance) is a strong plus.
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Experience:
- 5–8+ years in business analytics, BI, segment management, or strategy roles within lending, credit, banking, or fintech environments.
- Proven experience with retail lending products.
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Technical & Analytical Skills:
- Advanced capabilities in SQL and BI tools like Tableau or Power BI.
- Strong understanding of credit metrics and portfolio KPIs.
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Core Competencies:
- Exceptional logical thinking and structured problem-solving ability.
- Strong stakeholder management and communication skills.
- High attention to detail and strong sense of ownership.
Preferred Qualifications:
- Experience with credit scoring, risk segmentation, or behavioral modeling.
- Familiarity with data governance initiatives and modern data stacks.
Language Requirements:
- Proficiency in English is typically expected; additional language skills may enhance candidacy.
