Senior Data Analyst

Philippines - Upsell Apply for this position The Senior Data Analyst is responsible to drive risk-adjusted profitability (RAROC) across our consumer credit portfolio. This role sits at the intersection of credit risk, pricing, and portfolio economics, with a clear mandate: optimize money in versus money out. The Senior Analyst will focus on turning risk signals into profitable lending decisions, ensuring growth is capital-efficient and sustainable. Responsibilities • Profitability & RAROC Optimization • Own loan-level and segment-level profitability analysis, incorporating interest income, fees, funding costs, expected losses, and operating expenses • Design and maintain RAROC and contribution margin frameworks used to guide: • Approval cutoffs • Risk-based pricing • Credit limit management • Identify negative or sub-optimal RAROC segments and recommend corrective actions (pricing adjustments, policy tightening, exposure reduction) • Quantify the profit impact of strategy changes before implementation • Automate recurring profitability reports and dashboards • Portfolio Monitoring & Early Warning • Monitor portfolio health across delinquency, roll rates, charge-offs, recoveries, and vintage performance • Build and maintain early-warning indicators tied to borrower behavior, macro trends, and policy changes • Support stress testing and downside scenario analysis to assess earnings and capital sensitivity • Translate portfolio performance into actionable insights for credit and finance leadership • Data & Analytics Execution • Write and optimize BigQuery SQL to analyze large-scale lending and performance datasets • Use statistical tools (e.g., R, Python, or equivalent) to support profitability analysis, segmentation, and forecasting • Produce clear, decision-ready analysis that links risk metrics directly to financial outcomes • Ensure analytical outputs are reproducible, well-documented, and aligned with business decision cycles • Implement automated data quality checks and validation routines Qualification Required Qualifications • 5+ years of experience in credit risk, consumer lending, or portfolio analytics • Strong hands-on experience with BigQuery or similar cloud data warehouses • Solid understanding of consumer credit economics, including: • Expected loss mechanics • Pricing vs. risk trade-offs • Portfolio-level profitability drivers • Proven ability to connect analytics to real business decisions and financial outcomes Preferred Qualifications • FRM certification (completed or in progress) • Experience working with RAROC, economic capital, or capital-constrained growth frameworks • Exposure to pricing, limit management, or portfolio strategy in a consumer lending context • Ability to communicate complex analytics clearly to senior credit, risk, and finance stakeholders