Senior Credit Analyst – Consumer Credit Portfolio

About the role

Ezra is looking for a proactive Senior Credit Analyst to lead sophisticated credit analytics and drive portfolio insights across its digital lending products. The role is central to strengthening credit risk management and shaping the company’s credit strategy.

Key responsibilities

• Lead analysis of consumer credit portfolios, identifying risk drivers and performance trends.
• Design, optimise, and maintain complex SQL queries and analytical workflows.
• Translate data insights into actionable recommendations for underwriting strategy and credit policy.
• Develop, refine, and validate credit rules, scorecards, and segmentation strategies.
• Monitor portfolio health (delinquency, default, loss, vintage performance) and propose proactive actions.
• Partner with senior stakeholders to influence decision‑making and drive data‑driven credit strategy.
• Improve data processes, reporting automation, and analytical frameworks.

Required profile

• Bachelor’s degree in Finance, Economics, Statistics, Data Science or a related field.
• 4–7+ years of experience in credit risk, analytics or lending environments.
• Strong understanding of credit risk modelling, portfolio analytics and policy design.
• Proven ability to manage analytical projects independently and influence outcomes.
• Excellent communication and stakeholder‑management skills.
• Professional proficiency in English.

Required skills

• Advanced SQL proficiency and experience with large datasets.
• Python or R for data analysis and modelling.