Credit Risk Analyst (VP or AVP)

Key responsibilities

• Design and implement data-driven risk frameworks (e.g., cut-offs, affordability/indebtedness checks, loan sizing, risk-based pricing) across lending products
• Ensure alignment with approved credit policies and local regulatory requirements for unsecured lending
• Analyse diverse data sets to develop and refine credit and fraud risk strategies
• Monitor origination, portfolio, and collections performance against KPIs and defined risk appetite
• Continuously test, validate, and benchmark risk strategies using advanced analytics
• Partner cross-functionally (Product, Technology, Data Engineering, Analytics) to deliver business-aligned outcomes
• Lead documentation and governance processes for risk strategy design and approvals