Senior Data Analyst

Role Overview

• As a Senior Data Analyst - Credit, you are supporting the analytics throughout the credit product life cycle, from product design, to credit acquisition, portfolio management, collection and profit & loss.
• You will work within the Decision Science team, reporting to the Credit Risk Analytics Lead.

Key Responsibilities

• Analyze portfolio performance metrics to identify trends, risks, and opportunities
• Review and refine credit policies, including rule-based decision engines
• Build and maintain profit and loss forecasts to guide strategic decisions
• Conduct credit limit assignment and affordability assessments
• Perform score cut-off analysis to improve approval and risk strategies
• Monitor and enhance collection strategies based on customer segmentation and outcomes
• Design and run A/B tests to assess and optimize lending and collections performance
• Communicate actionable insights and recommendations to senior stakeholders

Requirements

• Academic background in a mathematical discipline (e.g. Mathematics, Statistics, Physics, or related field)
• Minimum of 5 years' experience as a Quantitative Analyst or Data Analyst in a financial services, fintech or e-commerce environment
• Strong proficiency in SQL for data extraction and manipulation
• Hands-on experience with open-source statistical programming languages such as Python or R
• Solid understanding of statistical tests commonly used in A/B testing
• Experience using statistical software packages (open-source preferred)
• Proven experience developing and maintaining analytical reports or dashboards from end-to-end
• Ability to interpret and present insights from reports in a business context, including stakeholder engagement and recommendation

Advantageous:

Strong understanding of credit risk and portfolio performance metrics, including:

• Annualised loss
• Vintage curves
• Roll rates
• Exposure at Default (EAD)
• Loss Given Default (LGD)

Why join Kuda?

At Kuda, our people are the heart of our business, so we prioritise your welfare. We offer a wide range of competitive benefits in areas including but not limited to:

• A great and upbeat work environment populated by a multinational team
• Pension
• Career Development & growth
• Competitive annual leave plus bank holidays
• Competitive paid time off (Parental, Moving day, Birthday, Study leave etc)
• Group life insurance
• Medical insurance
• Well-fare package (Wedding, Compassionate and etc)
• Perkbox
• Goalr - employee wellness app
• Award winning L&D training
• We are advocates of work-life balance, working in a hybrid in office schedule.