- Lead integration and validation of external credit bureau, banking, open finance, tax and financial data, partnering with engineering on pipelines and data quality.
- Own cleanup of customer data consents and connections so external data can be reliably pulled and refreshed in line with local requirements.
- Replace manual credit and portfolio processes with repeatable, documented SQL/Python workflows.
- Define data quality checks and documentation for the team.
- Develop and refine underwriting criteria, credit limit strategies, and customer management strategies using internal performance and external data.
- Identify high-risk customers early and build processes to mitigate losses.
- Define portfolio KPIs, build dashboards, and establish early-warning signals and monitoring routines.
- Provide Collections with segmentation and prioritization insights, and contribute to loss forecasting and risk-adjusted return analysis with Finance.
- Develop, validate and monitor credit risk models, and help define rules and data requirements for automated credit decisioning.
- Translate model results into recommendations for credit leadership and business partners.
PythonSQL