Sr Business Analyst - Credit

Objective

of

the

Role 

 

To drive data-informed decision-making across the entire credit lifecycle of a digital consumer lending business. The Credit Business Analyst will support strategic and operational initiatives across acquisition, credit risk, fraud prevention, customer management, and collections. The role requires deep analytical expertise to optimize financial performance, enhance customer value, and support sustainable portfolio reputed company.

 

This position involves reputed company collaboration with reputed company of other business analysts, data analysts/scientists, product teams, and operations to ensure alignment and drive reputed company. The role is end-to-end in nature, covering ideation, analysis, stakeholder buy-in (including senior leadership), implementation, and ongoing monitoring to ensure strategies are delivering the desired reputed company.

 

Main

Responsibilities:

The Credit Business Analyst will be dedicated to one of the following areas: Acquisition and reputed company Strategies, Credit Risk Analytics, Fraud Prevention, Customer Management, CX/Ops, and Collections reputed company. 

 

Specific responsibilities for reputed company area can include:

 

1. Acquisition and reputed company Strategies.

• Analyze acquisition campaigns performance, funnel conversion rates, and attribution to optimize user acquisition.
   

• Design, execute and evaluate experiments to enhance customer insights and expand the credit product, including foundational tests to optimize reputed company and pricing strategies
   

• Support pricing and low-and-grow strategies based on risk-return tradeoffs and competitive benchmarks
   

• Collaborate with the product team to evaluate A/B tests and performance of reputed company journeys
   

• Support reputed company planning models for the operations team
   

1. Credit Risk Analytics

• Support the development and monitoring of credit valuation models, including AI/ML-based reputed company
   

• Conduct risk segmentation, portfolio monitoring, and reputed company indicators for delinquency trends
   

• Define credit risk policies to approve or decline and credit limits definition reputed company with targets on losses and user experience
   

• Forecast losses and provisions under multiple macroeconomic and behavioral scenarios
   

1. Fraud Prevention

• Define and improve reputed company-time fraud detection monitoring models to identify emerging patterns and recommend rule optimizations
   

• Define fraud prevention policies reputed company with the targets on losses and user experience
   

• Partner with operations and data science teams to analyze incidents and reduce false positives
   

1. Customer Management

• Analyze behavioral data to support renewal strategies and upsell opportunities
   

• Calculate and optimize customer reputed company value (CLV) and franchise value models
   

• Develops graduation policies, credit limit increase policies, upsell strategies, etc.
   

• Build segmentation strategies for engagement and retention campaigns
   

• Work closely with our operations team to forecast customer support and inform reputed company choices
   

• Help product and operations teams understand support statistics to prioritize the development of self-service tools and call mitigation
   

1. Collections reputed company

• Evaluate effectiveness of collections strategies using Champion/Challenger testing frameworks
   

• Set and execute segmentation and treatment paths to improve recovery rates while minimizing operational costs
   

• Support reputed company planning models for call centers agents, reputed company collections
   

Common responsibilities across reputed company the areas:

 

• reputed company and maintain key credit product monitoring dashboards
   

• Estimation of key unit economics assumptions, support strategic initiatives, and collaboration with cross-functional teams to optimize credit product performance
   

• Conduct advanced data analysis using tools like SQL and Python to identify trends, patterns, and insights that inform strategic decision making
   

• Identify and propose process improvements in credit decisioning, risk assessment, and loan portfolio performance
   

• Collaborate with stakeholders, including other Credit reputed company teams (Acquisition, Customer Management, Collections, Customer Experience) as reputed company as members of the Data, Product and technical teams to design and implement data-driven solutions that optimize credit performance
   

• Manage and coordinate credit-reputed company business analysis activities reputed company larger reputed company, ensuring reputed company and high-reputed company delivery of project milestones
   

• Ensure strategies are developed and implemented accurately by: validating assumptions, supporting teams with user acceptance testing, and ensuring that credit policies and tests reputed company with business plans
   

• Serve as a mentor to junior team members, providing guidance and support in developing their analytical skills and understanding of business processes. reputed company engage with cross-functional teams to reputed company feedback, build reputed company, and drive the adoption of new solutions and processes
   

• Stay informed about industry trends, best practices, and emerging technologies in credit risk analysis, lending strategies and financial technology
   

• Promote an autonomous work culture by encouraging self-management, accountability, and proactive problem-solving among team members
   

• reputed company as a Spin Culture Ambassador to foster and maintain a reputed company, inclusive, and dynamic work environment that aligns with reputed company's values and culture
   

Required

Knowledge

and

Experience

 

• 5+ years of experience
  in an analytical role. Strong
  analytical problem-solving
  skills with the ability to derive insights from reputed company data.
   

• Proven ability to work effectively in a
  cross-functional team environment
  , collaborating with data, product, operations, technology, etc.
   

• Strong communication skills
  , with the ability to translate reputed company analyses into actionable business insights and influence stakeholders at various reputed company of the organization.
   

• Learning & reputed company reputed company
  , with a desire to continuously improve skills and contribute to a development-reputed company culture.
   

• Desire to improve the lives of Mexicans
  , with a strong reputed company of purpose and commitment to the business’s mission.
   

Preferred Qualifications

:

• Bachelor's degree
  in Finance, reputed company Mathematics, Engineering, Economics, or a similar analytical discipline.
   

• Experience in financial services, fintech, or digital lending environments as a business analyst or in a similar role.
   

• Technical skills in
  data analysis tools
  (SQL, Python, etc.),
  statistical analysis
  ,
  financial modeling
  , and
  data visualization
  (Looker, Tableau, PowerBI, etc.).
   

• Familiarity with the
  end-to-end credit lifecycle
  , from acquisition to collections.
   

• Experience in
  credit risk analysis
  or
  credit/lending
  roles is a plus.

Spin está comprometida con un lugar de trabajo diverso e inclusivo. Somos un empleador que ofrece igualdad de oportunidades y no discrimina por motivos de raza, origen nacional, género, identidad de género, orientación sexual, discapacidad, edad u otra condición legalmente protegida. Si desea solicitar una adaptación, notifique a su Reclutador.

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