Location
singapore
Job Type
Full-time
Posted
June 27, 2026
Job Description
Philippines - Upsell
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The Senior Data Analyst is responsible to drive risk-adjusted profitability (RAROC) across our consumer credit portfolio. This role sits at the intersection of credit risk, pricing, and portfolio economics, with a clear mandate: optimize money in versus money out. The Senior Analyst will focus on turning risk signals into profitable lending decisions, ensuring growth is capital‑efficient and sustainable.
Responsibilities- Profitability & RAROC Optimization
- Own loan‐level and segment‐level profitability analysis, incorporating interest income, fees, funding costs, expected losses, and operating expenses
- Design and maintain RAROC and contribution margin frameworks used to guide:
- Approval cutoffs
- Risk‑based pricing
- Credit limit management
- Identify negative or sub‑optimal RAROC segments and recommend corrective actions (pricing adjus...