Risk Analyst/ Credit Analytics/ Data Analyst

Job Summary:

We are seeking a detail-oriented and analytical Risk Analyst to support portfolio monitoring, risk performance analysis, and credit risk analytics activities within the Risk Analytics team.

The role is responsible for monitoring portfolio quality, analyzing risk performance trends, supporting risk model monitoring activities, and participating in scorecard-related analysis and validation activities.

This position also supports segmentation analysis, scorecard performance evaluation, and impact analysis related to credit risk management activities across lending products.

Key Roles & Responsibilities:

1. Portfolio monitoring & Analysis

- Monitor portfolio quality and key risk indicators such as approval rate, delinquency rate, roll rate, vintage analysis, and bad rate trends.

- Conduct portfolio and risk performance analysis to identify abnormal trends and emerging risk signals.

- Analyze booking quality, customer behavior, and portfolio performance across lending products.

- Conduct ad-hoc analysis to support business and risk management decisions.

2. Credit Risk Modeling

- Monitor stability and model performance of application and behavior scorecards (PSI, KS, GINI etc.).

- Conduct segmentation analysis and support impact analysis related to scorecard or policy changes.

- Analyze model deterioration signals and provide analytical findings and recommendations.

- Support validation and performance evaluation of external scorecards and alternative data models.

- Support scorecard validation, and implementation activities.

3. Coordination & Process Support

- Extract, clean, and validate data for portfolio analysis and risk monitoring purposes.

- Coordinate with related departments regarding data preparation, reporting, and scorecard implementation activities.

- Support the automation and enhancement of analytical and reporting processes.

- Prepare portfolio monitoring reports, analytical datasets and management reports when required.

Yêu cầu công việc

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Science, Management Information System, or a related quantitative discipline.

• Relevant certification (e.g., CFA, FRM, Data Analysis, Data Science) is prefer

• 3+ years of experience in risk analysis, risk modeling, data analysis or a similar role in the financial/fintech company.

• Strong programing skills (Python/R/SAS/SQL)

• Strong analytical and problem-solving skill.

• Business acumen with a risk management mindset.

• Ability to translate technical results into business.

• Good communication and stakeholder management.

• Ability to work independently with minimal supervision.

Quyền lợi

• Thưởng: Attractive salary and bonus
• Chăm sóc sức khoẻ: ISocial insurance, health insurance, unemployment insurance according to Labor Laws
• Cơ hội du lịch: Regular team building and social events