Senior Data analyst (Risk Department)

Key Responsibilities Participate in the design and development of data marts for the Risk Management Division, ensuring alignment with business requirements and analytical needs. Design and develop risk-related analytical models, including: Affordability / livelihood (income vs. expense) models, Risk monitoring models supporting portfolio quality tracking, Early warning and behavioral segmentation logic Perform advanced data analysis leveraging internal and external data sources: Integration and analysis of credit bureau data, Analysis of external service providers’ data, Customer-level insights combining behavioral, transactional, and risk indicators Build and maintain customer–employer–income analysis frameworks: Salary consistency and reliability checks, Employer stability analysis, Income trend and volatility monitoring Develop monitoring dashboards and analytical visualizations to support risk decision-making: Portfolio monitoring (vintage, delinquency, trends), Customer risk segmentation, KPI and early warning indicators Automate and continuously improve reporting and BI solutions: Enhance data pipelines and reporting performance (DWH / BI layer), Reduce manual effort through automation Work closely with cross-functional teams: Risk Management, Data Warehouse (DWH) teams, BI / Reporting teams, IT development teams Participate in data model design (logical & physical): Define fact/dimension structures,Ensure data consistency and reusability across analytical use cases, Handle ad hoc analytical and business requests, delivering accurate and timely insights. Key Focus Areas: Credit risk analytics Portfolio monitoring & reporting External data utilization (credit bureau, alternative data) Customer financial behaviour analysis