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Metro fintech, mid-level generalist data role (5+ yrs) with common SQL/BI skills, leading to high applicant competition.
Requires specialized credit risk and lending analytics experience, limiting cross-industry transferability.
Requires 5+ years, credit risk/lending domain expertise and strong SQL/BI, making shortlist filters strict.
Own and maintain accurate, reconciled core credit risk metrics and reports for loan portfolio health (delinquency rates, NPL ratio, provisioning adequacy).
Conduct vintage cohort analysis and concentration/exposure monitoring to track loan performance trends and credit risk across markets/products.
Build macroeconomic-linked dashboards, segmentation, and scenario stress tests to provide early warning signals of emerging credit risks to leadership.
5+ years experience in credit risk, portfolio, or lending analytics, preferably in regulated lending or financial services.
Strong knowledge of credit risk concepts: delinquency, NPL metrics, vintage/cohort analysis, concentration risk, credit loss provisioning.
Proficient in SQL and BI/data visualization tools.
Ability to translate complex portfolio risk data into clear, actionable recommendations for leadership.
Experienced in managing end-to-end credit risk reporting with a focus on data accuracy and governance.
Skilled at integrating macroeconomic data with portfolio analytics to foresee risk trends.
Able to collaborate cross-functionally with Risk, Credit, Data Science, Finance, and Engineering to unify metric definitions and drive strategic insights.