The Senior Data Analyst is responsible to drive risk-adjusted profitability (RAROC) across our consumer credit portfolio. This role sits at the intersection of credit risk, pricing, and portfolio economics, with a clear mandate: optimize money in versus money out. The Senior Analyst will focus on turning risk signals into profitable lending decisions, ensuring growth is capital‑efficient and sustainable.

Responsibilities

• 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)
  • Q...