Aparıcı Risk Analitiki (Risk həlləri sahəsi)

About the role

We are looking for a leading risk analyst to drive risk measurement and mitigation across our credit products and lending processes. The role focuses on analysing credit applications, identifying potential loss and fraud drivers, and enhancing the quality of digital credit decisions.

Key responsibilities

• Conduct quantitative analyses to measure risk in credit products and lending processes.
• Analyse credit applications and decision‑making workflows to pinpoint risk factors and fraud indicators.
• Develop data‑driven recommendations to reduce credit losses and prevent fraudulent activity.
• Monitor the performance of credit decisions, risk indicators, and outcomes, especially in digital lending channels.
• Assess portfolio quality, risk dynamics, and key risk metrics to detect emerging problem trends.
• Perform segment‑level analyses of customers, products, and risk profiles.
• Participate in the review of credit policies, limits, and underwriting mechanisms from a risk perspective.
• Track and evaluate the effectiveness of credit risk models, scoring systems, and other decision tools.
• Extract, clean, and analyse data using SQL and other analytical tools; translate findings into actionable proposals.
• Identify data anomalies, inconsistencies, and potential risks within credit processes.
• Collaborate with cross‑functional teams to improve credit products and risk frameworks.
• Prepare analytical reports and presentations on portfolio health, risk status, and underwriting efficiency.
• Monitor market, customer behaviour, and product changes for their impact on credit risk.

Required profile

• Bachelor’s degree in Finance, Economics, Business Administration, Mathematics, Statistics or a related field.
• 2‑3 years of experience in banking or financial services, specifically in credit risk, credit analytics, or underwriting.
• Strong understanding of credit underwriting principles, decision‑making processes and key risk drivers.
• Ability to translate analytical insights into practical business recommendations.
• Proactive, result‑oriented mindset with strong communication and presentation skills.

Required skills

• Advanced Excel and MS Office proficiency.
• SQL for data extraction and analysis.
• Basic Python programming for analytical tasks.
• Solid knowledge of statistics and data analytics techniques.