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Senior Data Analyst

Philippines - Upsell

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The Senior Data Analyst is responsible to drive risk-adjusted profitability (RAROC) across our consumer credit portfolio. This role sits at the intersection of credit risk, pricing, and portfolio economics, with a clear mandate: optimize money in versus money out. The Senior Analyst will focus on turning risk signals into profitable lending decisions, ensuring growth is capital-efficient and sustainable.

Responsibilities

  1. Profitability & RAROC Optimization
    • Own loan-level and segment-level profitability analysis, incorporating interest income, fees, funding costs, expected losses, and operating expenses
    • Design and maintain RAROC and contribution margin frameworks used to guide:
      • Approval cutoffs
      • Risk-based pricing
      • Credit limit management
    • Identify negative or sub-optimal RAROC segments and recommend corrective actions (pricing adjustments, policy tightening, exposure reduction)
    • Quantify the profit impact of strategy changes before implementation
    • Automate recurring profitability reports and dashboards
  2. Portfolio Monitoring & Early Warning
    • Monitor portfolio health across delinquency, roll rates, charge-offs, recoveries, and vintage performance
    • Build and maintain early-warning indicators tied to borrower behavior, macro trends, and policy changes
    • Support stress testing and downside scenario analysis to assess earnings and capital sensitivity
    • Translate portfolio performance into actionable insights for credit and finance leadership
  3. Data & Analytics Execution
    • Write and optimize BigQuery SQL to analyze large-scale lending and performance datasets
    • Use statistical tools (e.g., R, Python, or equivalent) to support profitability analysis, segmentation, and forecasting
    • Produce clear, decision-ready analysis that links risk metrics directly to financial outcomes
    • Ensure analytical outputs are reproducible, well-documented, and aligned with business decision cycles
    • Implement automated data quality checks and validation routines

Qualification

Required Qualifications

  • 5+ years of experience in credit risk, consumer lending, or portfolio analytics
  • Strong hands-on experience with BigQuery or similar cloud data warehouses
  • Solid understanding of consumer credit economics, including:
    • Expected loss mechanics
    • Pricing vs. risk trade-offs
    • Portfolio-level profitability drivers
  • Proven ability to connect analytics to real business decisions and financial outcomes

Preferred Qualifications

  • FRM certification (completed or in progress)
  • Experience working with RAROC, economic capital, or capital-constrained growth frameworks
  • Exposure to pricing, limit management, or portfolio strategy in a consumer lending context
  • Ability to communicate complex analytics clearly to senior credit, risk, and finance stakeholders

Interested? Send us your CV attalentacquisition@tonikbank.com

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