Portfolio Analyst

We’re looking for a Portfolio Analyst to help us scale and optimize our credit portfolio. You’ll work hands-on with portfolio metrics, risk strategies, and pricing, collaborating closely with Product and Data Science to turn data into clear, impactful decisions. The scope of responsibilities will include:

Credit Portfolio Management: • Analysis and monitoring of key portfolio metrics: FPD, PD, LGD, NPL, Surplus; • LTV assessment and active participation in product pricing; • Development of customer segmentation strategies (e.g., by risk levels, products, acquisition channels); • Assessment of the impact of internal initiatives on financial results; • Optimization of the portfolio structure (balancing high-yield and low-risk loans).

Risk Management: • Monitoring of risk concentration (e.g., by regions, products, borrower segments); • Adjustment of credit policy based on default and early repayment data; • Development and improvement of processes related to loan origination.

Collaboration with the Data Science Team: • Formulation of requirements for scoring models (e.g., calibration of PD models); • Analysis of scoring card performance and proposals for their improvement; • Work with cash flow forecasting models.