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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.
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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.