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.