Credit Risk Management & Performance Analyst

We are looking for an analyst with strong business capabilities to join our team. This is a hands-on role at the intersection of

data analysis and business decision-making. You will analyse our performing credit portfolios, evaluate and improve pre-collection

activities, and provide analytical support for portfolio sales and transactions across our markets.

You will work with everything from SQL-based data analysis and performance monitoring to presenting clear recommendations to

business owners and management. We are looking for someone who does not stop at explaining what happened, but can identify why it

happened and what we should do next.

• Analyse the performance of performing credit portfolios, including payment behaviour, early delinquency, roll rates, vintages,

customer segments and profitability

• Measure and improve pre-collection strategies, including customer selection, contact channels, treatment strategies, vendor

performance and cure rates

• Support portfolio sales and forward-flow transactions through portfolio segmentation, data-tape preparation, cash-flow and

pricing analyses, due diligence and post-sale performance monitoring

• Collaborate with colleagues across Credit Risk, Collections, Finance, Commercial & Data as well as country teams and external

partners

We Offer

You will join a developing Group function with a clear mandate and close access to decision-makers. The role offers broad exposure

across markets and products, significant ownership of your analyses and the opportunity to directly influence how we manage

portfolio performance, prevent future credit losses and execute portfolio transactions.