Senior Credit Risk Data Analyst

About the role

We are seeking a senior credit risk data analyst to support US banking credit risk projects and complex credit‑card portfolios. The role offers international exposure and the chance to turn data into actionable insights for risk, strategy and operations teams.

Key responsibilities

• Monitor credit‑card portfolio performance, including CLI tests, approval trends, balance‑transfer and prescreen campaigns, installment loan performance and test‑versus‑control results.
• Analyze customer spending and payment behavior to detect engagement changes and emerging risk signals.
• Track key credit‑risk indicators such as delinquency, roll rates, vintage performance, net charge‑offs, loss curves, utilization, exposure growth, concentration risk and origination quality.
• Evaluate credit strategies and risk segments across score bands, tenure and customer cohorts to inform underwriting and portfolio decisions.
• Develop and maintain weekly dashboards and performance reports with consistent data definitions and accurate metrics.
• Conduct ad‑hoc analyses and deep‑dives to investigate trends and answer business questions, translating complex data into actionable insights.

Required profile

• Bachelor’s degree in a relevant field with 3–5+ years of experience in credit risk, portfolio or banking analytics.
• Experience working with US consumer credit‑card or lending data and strong knowledge of credit‑risk metrics, delinquency, charge‑offs, roll rates, vintage analysis, underwriting and portfolio monitoring.
• Strong analytical, problem‑solving, communication and stakeholder‑management abilities.

Required skills

• SQL
• Excel
• Data visualization
• Snowflake (preferred)