Credit Analyst Job Ezra
Finance Jobs, Ezra Jobs.
About the role:
- We are seeking a highly motivated, proactive, and commercially minded Senior Credit Analyst to take a leading role within our Credit team. This position is central to enhancing our credit risk management capabilities.
- The successful candidate will be responsible for leading sophisticated credit analytics, driving deep portfolio insights, and playing a pivotal role in the development and refinement of our overarching credit strategy and policy framework.
- The Senior Credit Analyst will be instrumental in safeguarding the quality of the credit portfolio while identifying opportunities for commercially sound growth.
Key responsibilities:
- Lead analysis of consumer credit portfolios, identifying key risk drivers and performance trends
- Design, optimize, and oversee complex SQL queries and analytical workflows
- Translate data insights into actionable recommendations for underwriting strategy and credit policy
- Develop, refine, and validate credit rules, scorecards, and segmentation strategies
- Monitor portfolio health (delinquency, default, loss, and vintage performance) and recommend proactive actions
- Partner with senior stakeholders across stakeholders to influence decision-making
- Drive improvements in data processes, reporting automation, and analytical frameworks
Qualifications and Experience:
- Bachelor’s degree in Finance, Economics, Statistics, Data Science, or a related field
- 4–7+ years of experience in credit risk, analytics, or lending environments
- Strong understanding of credit risk modeling, portfolio analytics, and policy design
- Advanced SQL proficiency and experience working with large datasets
- Proven ability to independently manage analytical projects and influence outcomes
- Strong communication and stakeholder management skills
- Professional proficiency in English
Preferred Qualifications:
- Experience in fintech or digital lending environments
- Proficiency in Python or R for data analysis or modeling
- Experience with credit scorecards or risk model development
- Familiarity with regulatory frameworks in consumer lending
- French language skills (beneficial)
The ideal candidate is someone who:
- Driving measurable improvements in portfolio performance and risk management
- Influencing credit strategy through data-driven insights
- Delivering high-quality, scalable analytical solutions
- Elevating team capability through mentorship and process improvements
- Acting as a trusted advisor to business stakeholders
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