Principal Analyst - Credit Risk

Responsibilities

• Lose Mitigation Strategy: Architect and execute next-generation loss mitigation strategies to optimize collections and recoveries for bad loans.
• Conversational Operations Alignment: Partner directly with the Operations team to define automated contact strategies, determining ideal customer methods and friction-free touchpoints (utilizing WhatsApp, automated flows, and omnichannel systems).
• Predictive Collections Modeling: Collaborate with the Data/Analytics Engineering team to build advanced collections models (e.g., propensity-to-pay scorecards) to optimize and prioritize resources for maximum recovery ROI.
• Loss Forecasting & Resiliency: Build and own loss forecasting models (CECL methodology) establishing corporate capital resiliency measures.
• Budgeting & Capacity Planning: Formally manage and report on the organization's credit loss budget and operational capacity planning to the C-suite.
• Vendor Evaluation & Procurement: Lead the evaluation, technical vetting, onboarding, and performance tracking of third-party credit loss collection vendors and software solutions.

Requirements

• Elite Credit Risk Background: 5+ years of proven quantitative experience in Credit Risk Analytics, with a definitive specialization in Loss Mitigation, Collections Strategy, and Loss Forecasting/Provisioning.
• Technical Sovereignty: Exceptional, hands-on mastery of SQL, data pipelines, and advanced analytics/predictive modeling (Python or R).
• Collections Innovation: Deep understanding of modern collections tech; bonus points if you have designed recovery frameworks within digital/conversational channels (WhatsApp/SMS ecosystems).
• High-Level Communication: Expert capability to present technical risk data and financial impacts smoothly to the C-suite, founders, and bank sponsors.
• Extreme Ownership & Autonomy: Proven history of steering large cross-functional initiatives independently, discovering the problems that need solving without a roadmap.