We are seeking a highly analytical and technically proficient Credit Risk Data Analyst to support our Portfolio Oversight team. In this role, you will be responsible for managing the health and performance of the credit portfolio. You will not only build the "Single Source of Truth" for risk data but also translate complex datasets into actionable strategies for underwriting, limit management, and loss forecasting.
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Location
Dubai, United Arab Emirates
Key Responsibilities
- Develop Portfolio Monitoring reports for internal and external communications
- Design and optimize data-driven credit strategies, including underwriting criteria, credit limit assignments, risk-based pricing & merchant risk strategy
- Conduct deep-dive analysis on risk exposure versus profitability to identify opportunities for product expansion or de-risking
- Develop and track Early Warning Indicators to detect abnormal risk trends and shifts in macroeconomic conditions
- Conduct rigorous A/B testing to verify hypotheses and evaluate the impact of strategy changes on portfolio profitability and delinquency
- Assess business operations & market trends to enhance competitive positioning
- Build and optimize automated data pipelines to enhance the efficiency and scalability of risk monitoring
- Perform continuous system analysis to identify data inconsistencies and drive initiatives that elevate data governance standards
- Partner with Cross-functional teams (Data Science, Data, Finance, Product, Technology teams) to ensure credit risk data is correctly accounted in reporting
Requirements
- Bachelor’s or Master’s degree in a quantitative field (Statistics, Data Science, Math, Quantitative Finance, or Related fields)
- 3+ years of post qualification experience handling analytics and/or credit risk
- Strong analytical skills & experience in data management
- Prior Experience in Retail/SME Banking, Fintech, or Credit Ratings is a plus
- Familiarity with the end-to-end credit life cycle, including anti-fraud, collections, merchant health and post-loan management
- Proficiency in SQL, Excel (Advanced/VBA), PPT, Tableau & Python (optional)
- Exceptional attention to detail with the ability to identify data anomalies quickly
- Effective communication skills to present technical insights to non-technical business partners
- Ability to navigate ambiguity, develop testable hypotheses & drive actionable insights
