Credit Data Analyst
Akulaku Indonesia
Lokasi
Jakarta
Tipe kerja
On-site
Gaji
Negotiable
Deskripsi pekerjaan
- Portfolio Monitoring: Analyze credit portfolio performance (NPLs, delinquency rates, vintage analysis, roll rates) and prepare periodic risk trend reports.
- Data Exploration & Insight Generation: Conduct deep-dive analysis into customer behavior and credit data to identify risk patterns, anomalies, and opportunities.
- Policy & Strategy Recommendations: Provide data-driven recommendations for adjustments to credit policies (e.g., cut-off scores, credit limits, pricing strategies).
- Reporting & Dashboarding: Create, maintain, and automate dashboards using BI tools to monitor risk KPIs for stakeholders (Risk, Product, Business).
- Cross-functional Collaboration: Support Risk Modelers/Data Scientists in the implementation and monitoring of credit scoring models.
Tanggung jawab
- Portfolio Monitoring: Analyze credit portfolio performance (NPLs, delinquency rates, vintage analysis, roll rates) and prepare periodic risk trend reports.
- Data Exploration & Insight Generation: Conduct deep-dive analysis into customer behavior and credit data to identify risk patterns, anomalies, and opportunities.
- Policy & Strategy Recommendations: Provide data-driven recommendations for adjustments to credit policies (e.g., cut-off scores, credit limits, pricing strategies).
- Reporting & Dashboarding: Create, maintain, and automate dashboards using BI tools to monitor risk KPIs for stakeholders (Risk, Product, Business).
- Cross-functional Collaboration: Support Risk Modelers/Data Scientists in the implementation and monitoring of credit scoring models.
Kualifikasi
- Minimum bachelor’s degree in Statistics, Mathematics, Actuarial Science, Economics, Industrial Engineering, Computer Science, or another quantitative field.
- Minimum 2 years of experience in Data Analytics, Risk Management, or Credit Scoring in the Banking, Fintech Lending, or Multifinance industries.
- Highly proficient in SQL (mandatory) for complex data manipulation, querying, and extraction.
- Familiarity with Python or R (especially libraries such as Pandas, Scikit-learn, and XGBoost).
- Proficient in creating dashboards using Superset, Tableau, PowerBI, or Metabase.Advanced level (VBA, Power Query, advanced Pivot Tables).
- Ability to translate complex data and numbers into actionable business strategies and risk policies.
- Strong problem-solving skills with a keen eye for detail and data anomalies.
- Ability to clearly explain data insights and risk trends to non-technical stakeholders.
Benefit & Fasilitas
competitiveSalarybonusSystempaidSickDaysprofessionalDevelopment
Keahlian
SQLPythonSupersetTableauPowerBI