Credit Risk Management & Performance Analyst

We are looking for an analyst with strong business capabilities to join our team. This is a hands-on role at the intersection of data analysis and business decision-making. You will analyse our performing credit portfolios, evaluate and improve pre-collection activities, and provide analytical support for portfolio sales and transactions across our markets.

You will work with everything from SQL-based data analysis and performance monitoring to presenting clear recommendations to business owners and management. We are looking for someone who does not stop at explaining what happened, but can identify why it happened and what we should do next.

Key Responsibilities

Analyse the performance of performing credit portfolios, including payment behaviour, early delinquency, roll rates, vintages, customer segments and profitabilityIdentify emerging risks and opportunities and translate findings into concrete business recommendationsMeasure and improve pre-collection strategies, including customer selection, contact channels, treatment strategies, vendor performance and cure ratesDesign and evaluate tests to determine the incremental impact of pre-collection initiativesDevelop robust SQL analyses, datasets and recurring performance reportingSupport portfolio sales and forward-flow transactions through portfolio segmentation, data-tape preparation, cash-flow and pricing analyses, due diligence and post-sale performance monitoringEnsure strong data quality, consistent definitions and clear documentationPresent findings in a concise and commercially relevant way to business stakeholders, committees and managementCollaborate with colleagues across Credit Risk, Collections, Finance, Commercial & Data as well as country teams and external partners

Strong SQL skills and experience working with large and complex datasetsA relevant academic background in finance, economics, statistics, mathematics, data science or a similar quantitative fieldExperience within credit risk, portfolio analytics, consumer finance, collections or another data-driven financial environmentStrong analytical and problem-solving skills, combined with commercial judgementAbility to turn complex analyses into clear conclusions and practical recommendationsA structured and independent working style, with strong attention to data quality and detailStrong communication skills and confidence working with both technical and business stakeholdersProfessional proficiency in EnglishExperience with Power BI, advanced Excel, pre-collection, portfolio sales or debt-purchase transactions is a plus

We Offer

You will join a developing Group function with a clear mandate and close access to decision-makers. The role offers broad exposure across markets and products, significant ownership of your analyses and the opportunity to directly influence how we manage portfolio performance, prevent future credit losses and execute portfolio transactions.