The Portfolio Analyst will provide dedicated portfolio analytics for the Consumer Lending Risk team, enabling timely visibility into portfolio performance, early identification of emerging risks, and data-driven credit and portfolio decisions as the business scales.
- Monitor performance across applications, approvals, disbursements, repayments, delinquency, collections, and recoveries.
- Analyse portfolio vintages and key risk metrics, including first payment default, early delinquency, PAR and DPD, rollm rates, cure rates, defaults, recoveries and credit loss trends.
- Perform segmentation analysis by risk grade, customer profile, product, loan amount, tenor, pricing, acquisition channel and other relevant dimensions.
- Monitor the end-to-end lending funnel and identify the drivers of approval, conversion, utilisation and portfolio performance.
- Build, automate and maintain Tableau dashboards for Risk, management and other relevant stakeholders.
- Assess the impact of changes to credit rules, limits, pricing, underwriting and product strategies through cohort, vintage and policy-impact analysis.
- Identify emerging portfolio risks, investigate root causes and recommend appropriate actions or areas for intervention.
- Track collections performance and collaborate with Collections to understand delinquency movements, treatment effectiveness and recovery outcomes.
- Support portfolio forecasting, risk appetite monitoring, performance reviews and periodic management and credit reporting.
- Partner with Product, Data and BI, Engineering, Underwriting and Collections to improve data availability, quality and reporting.
Key Performance Indicators:
- Timeliness, accuracy and reliability of portfolio dashboards and reports.
- Speed of identification and escalation of emerging portfolio risks.
- Coverage and automation of recurring portfolio reporting.
- Quality and actionability of insights and recommendations.
- Turnaround time for priority portfolio analyses.
- Consistency of metric definitions and reconciliation with source data.
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, or a related discipline.
- At least 3 years of relevant experience in consumer lending, fintech, retail credit, portfolio risk, or credit analytics.
- Demonstrated experience analysing loan portfolio performance and the lending lifecycle from application and underwriting through repayment, delinquency, and collections.
- Hands-on experience building and maintaining Tableau dashboards.
- Experience analysing credit bureau data and affordability, income or salary-verification signals is an advantage.
- Strong SQL and data-analysis skills; proficiency in Excel is required.
- Experience with Python or another analytical language is an advantage.
Knowledge and capabilities
- Strong understanding of consumer credit risk, portfolio monitoring and lending economics.
- Working knowledge of vintage analysis, PAR and DPD, roll rates, cure rates, defaults, recoveries and loss trends.
- Ability to interrogate large datasets, validate results and translate findings into clear business actions.
- Strong problem-solving skills, attention to detail and sound commercial judgement.
- Ability to communicate analytical findings clearly to technical and non-technical stakeholders.
- Ability to manage priorities independently in a fast-paced, cross-functional environment.