Lead Analyst

This is a fully remote position, open to applicants in India.

📋 Description

• Lead the assessment and enhancement of underwriting criteria by leveraging A/B testing and regression analysis on credit scoring models. Ensure that policies effectively distinguish between risk segments to reduce default rates while achieving growth objectives.

• Collaborate with Business Units to formulate and evaluate pricing strategies. Emphasize the intersection of market positioning and long-term customer repayment behaviors to maintain a healthy portfolio.

• Use real-time repayment data to pinpoint opportunities for policy adjustments—tightening or relaxing credit thresholds based on evolving macroeconomic or cohort-specific trends.

• Act as a liaison between data science and business units, assessing all new growth initiatives against the organization’s risk tolerance and long-term financial outcomes.

• Create and implement sophisticated data models to address intricate business challenges, progressing from descriptive reporting to prescriptive strategies.

• Design and oversee impactful dashboards (Tableau, Looker, or Power BI) that monitor KPIs and "early-warning indicators" of credit stress, empowering senior managers to make swift, informed decisions.

• Collaborate with engineering teams to enhance data pipelines and workflows, ensuring that the data utilized for underwriting and pricing is accurate, low-latency, and scalable.

• Lead the definition and monitoring of success metrics that align business operations with financial sustainability and operational efficiency.

• Manage the complete lifecycle of complex analytical projects, ensuring timely delivery within scope and collaboration across multiple departmental stakeholders.

• Utilize business process expertise to provide actionable insights that link technical findings with practical field-level implementation.

⛳️ Requirements

• A bachelor’s or master’s degree in data science, business analytics, computer science, or a related quantitative discipline.

• Over 7 years of experience in business intelligence or strategic assessment, with a strong preference for candidates with a background in Credit Risk, Fintech, or Financial Services.

• Demonstrated success in designing and implementing automated underwriting systems that integrate machine learning models with heuristic business rules to maximize portfolio ROI.

• Proficiency in SQL is essential, with Python being a valuable additional skill.

• Previous experience in Project Management.

• Familiarity with data visualization tools such as Tableau, Looker, or Power BI to generate compelling, actionable insights.

• A strong business acumen with the capability to comprehend and tackle cross-functional business challenges and strategic opportunities.

• Solid statistical knowledge and the ability to apply statistical methodologies and models, such as Price Elasticity Modeling, to resolve business issues and support decision-making.

• Excellent storytelling and communication skills, with a proven ability to present insights to both technical and non-technical audiences.

• Experience with cloud platforms (AWS, GCP, Azure) is advantageous but not mandatory.

🏝️ Benefits

• Opportunities for professional growth in a vibrant, rapidly growing, high-social-impact industry.

• A collaborative and open-minded culture composed of enthusiastic colleagues motivated by the challenge of innovation to create a significant impact on people and the planet.

• A truly multicultural environment: you will have the opportunity to work with and learn from individuals from diverse geographies, nationalities, and backgrounds.

• Structured and customized learning and development programs aimed at enhancing your capabilities as a leader, manager, and professional through the Sun King Center for Leadership.