Description
About the Role
As a Senior Data Scientist, Analytics (Lending), you will play a crucial role in monitoring and optimizing the performance of Airwallex's business lending portfolio through data-driven analysis, portfolio insights, and credit risk strategy support.
Responsibilities:
- Monitor and analyze the performance of existing business lending portfolios, including delinquency trends, early warning indicators, and credit quality metrics.
- Identify emerging risks within the portfolio and provide actionable insights to mitigate potential losses.
- Support the assessment and optimization of portfolio-level credit strategies, ensuring alignment with regional credit risk policies.
- Prepare portfolio reports, risk dashboards, and management summaries to support senior leadership decision-making.
- Collaborate with Operations and Product teams to ensure consistent application of credit policies and effective risk controls.
- Participate in periodic portfolio reviews, stress testing, and credit risk assessment exercises.
- Provide analytical support for regulatory reporting, audits, and internal governance requirements.
Requirements:
- 3+ years of experience in credit risk analytics, risk strategy, portfolio analytics, or a related quantitative role.
- Bachelor’s degree or above in Quantitative Finance, Statistics, Computer Science, Business Analytics, Data Science, or a related quantitative discipline.
- Proficient in SQL and Python, with the ability to translate data into actionable insights.
- Strong problem-solving skills and experience working with large datasets.
- Strong attention to detail and the ability to identify discrepancies in data.
- Experience partnering with cross-functional stakeholders to solve business problems.
Preferred Qualifications:
- Hybrid experience of both risk analytics and modelling.
- Experience in SME lending experience preferred.
- Hands-on experience in ECL modelling, credit strategy analysis, or credit risk assessment.
- Experience designing credit policies, decision strategies, or performance monitoring frameworks.
- Familiarity with stress testing, governance, audit, or regulatory reporting processes.
Why Join Us:
- Opportunity to work on impactful credit risk problems that directly influence lending performance and business outcomes.
- Collaborate with a talented, cross-functional team in a fast-paced, high-growth environment.
- Drive better portfolio decisions through analytics, monitoring, and risk insights that improve customer and business outcomes.