Credit Data Analyst

Job Responsibiliites

• Build/maintain industry-level portfolio dashboards (exposure, growth, concentration, risk grade
  
  

migration, watchlist, delinquency/NPL indicators) to support portfolio governance.

• Segment the portfolio by industry, subsector, product, customer type (SME/corporate), geography,
  
  

and collateral type to reveal where lending is concentrated and why.

• Analyze credit performance trends: roll rates, arrears buckets, migration matrices, restructurings,
  
  

recoveries, and early delinquency to detect emerging stress.

• Identify better/worse internal segments using risk-adjusted metrics (expected loss proxies,
  
  

return on risk-weighted assets, pricing vs. risk, collateral coverage) for appetite refinement.

• Conduct cohort and vintage analysis to compare underwriting periods and policy changes with
  
  

subsequent credit outcomes by industry and product.

• Develop internal early warning models/flags leveraging facility behavior (utilization spikes,
  
  

covenant breaches, limit excess, declining turnovers where available) and link to industry EWIs.

• Provide targeted insights for underwriting and reviews, including peer benchmarking of client
  
  

leverage/coverage ratios.

• Support stress testing and sensitivity analysis by translating external shocks (rates, energy
  
  

costs, demand slowdowns) into portfolio-level impact views (segment-level exposure at risk).

Skills

Job Requirements

• Strong analytical and quantitative skills
• Proficiency in financial data tools and Excel
• Passion for learning and working across diverse industries.
• Ability to manage multiple tasks, prioritize effectively, and thrive in a fast-paced environment.
• Excellent written and verbal communication skills in English
  
  

Knowledge

• Understanding of financial statements, and credit assessment principles
• Understanding internal/external guidelines
• Awareness of macroeconomic indicators and sector-specific dynamic.
• Bachelor's degree in Finance, Economics, Business, or related fields.
  
  

Experience

• At lease 8-10 years of experience in research, analysis, credit, or finance-related roles.
• Prior exposure to Real Estate, Construction, Commodities, Electrical & Electronics/Technology is an advantage.