Senior Data Analyst (Credit Risk, Bank) at Renmoney

Job Description

• We are seeking a highly skilled and experienced Senior Data Analyst to join Renmoney's Credit Risk team.
• As a Senior Data Analyst, you will play a crucial role in supporting various teams such as Decision Science, Portfolio Management, Collections, Policy, and Risk by monitoring and tracking various parameters to ensure effective credit risk management.
• You will work closely with cross-functional teams, utilizing your expertise in data analysis, visualization, and programming to provide actionable insights and drive data-driven decision-making. 

Resopnsibilites

Data Analysis and Visualization: 

• Collect, analyze, and interpret complex credit risk data from multiple sources to identify patterns, trends, and potential risks. 
• Design and develop comprehensive dashboards and reports using Power BI to visually represent key performance indicators and provide insightful visualizations to stakeholders. 
• Collaborate with teams to define data requirements and ensure data integrity and accuracy in the credit risk domain. 
• Provide clear and concise summaries of analysis findings to management and stakeholders, highlighting significant risks, opportunities, and recommendations. 

Model Monitoring and Validation: 

• Monitor and validate credit risk models to ensure their accuracy, effectiveness, and adherence to regulatory requirements. 
• Develop and implement proactive strategies to identify model performance deviations and provide recommendations for model enhancements or adjustments. 
• Collaborate with Decision Science teams to understand model methodologies, assumptions, and limitations, and provide feedback on model performance. 

ETL Processes and Data Management: 

• Utilize your expertise in SQL and ETL processes to extract, transform, and load data from various sources into the credit risk data warehouse. 
• Develop and maintain data pipelines, ensuring the smooth flow of data and data integrity throughout the credit risk domain. 
• Collaborate with IT teams to optimize data storage and access, ensuring efficient and secure data management practices. 

Collaboration and Support: 

• Work closely with cross-functional teams including Decision Science, Portfolio Management, Collections, Policy, and Risk to provide analytical support, answer ad-hoc data queries, and address data-related challenges. 
• Collaborate with stakeholders to understand business requirements and translate them into actionable insights and data-driven solutions. 
• Stay up-to-date with industry trends, best practices, and emerging technologies in data analysis, visualization, and credit risk management. 

Requirements

• Bachelor's degree in a quantitative field such as Mathematics, Statistics, Computer Science, or a related discipline. A Master's degree is preferred. 
• Proven experience (5+ years) working as a Data Analyst in the credit risk domain, preferably within the banking industry. 
• Strong proficiency in Power BI for data visualization and reporting. 
• Proficiency in Python for data analysis and programming. 
• Good knowledge of R for statistical analysis (preferred). 
• Expertise in SQL for data extraction, transformation, and querying. 
• Experience with Postgres or other relational databases. 
• Solid understanding of ETL processes and data management best practices. 
• Strong analytical skills with the ability to identify trends, patterns, and potential risks. 
• Excellent communication skills to present complex findings effectively and insights to stakeholders. 
• Ability to work collaboratively in a cross-functional team environment. 
• Strong attention to detail and commitment to delivering high-quality work.