Senior Data Analyst

Навыки

• BigQuery
• Data Quality
• Лидерство
• Python
• SOLID и паттерны
• SQL
• Временные ряды

Задачи

• 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
• Solid understanding of consumer credit economics, including: Expected loss mechanics
• Pricing vs. risk trade-offs
• Portfolio-level profitability drivers
• Preferred
• Senior Data Analyst | Tonik Bank

Требования

• 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
• Interested? Send us your CV at talentacquisition@tonikbank.com
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• 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
• Proven ability to connect analytics to real business decisions and financial outcomes

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