Senior Product Analyst - Credit Products

Accountabilities

• Analyze complex datasets to evaluate credit product performance, identify trends, uncover opportunities, and deliver actionable business recommendations.

• Monitor and interpret credit risk key performance indicators (KPIs), identifying emerging risks and recommending strategies to mitigate them while supporting sustainable business growth.

• Partner with credit product managers and developers to guide the design, development, and optimization of credit products using data-driven insights.

• Investigate lending performance and customer behavior to support informed decisions on product strategy, risk management, and business priorities.

• Prepare clear, comprehensive reports, dashboards, and presentations that communicate findings and recommendations to senior management and relevant stakeholders.

• Translate analytical findings into practical recommendations that balance credit risk, product performance, and commercial objectives.

• Work independently to identify analytical opportunities, investigate complex questions, and resolve ambiguous business challenges.

• Continuously improve analytical methodologies, reporting processes, and approaches to credit product evaluation.

• Stay informed about developments in fintech, credit analytics, lending products, and data analysis tools to identify opportunities for innovation.

Requirements:

• At least 4 years of experience as a credit-focused analyst, data analyst, or data scientist within a fintech company or banking environment.

• Expert-level SQL skills, including the ability to navigate complex data warehouse structures, understand relationships across datasets, and extract meaningful insights.

• Practical experience analyzing credit products, lending performance, or credit risk data.

• Experience monitoring credit risk KPIs and developing or recommending strategies to mitigate risk while supporting business growth.

• Strong analytical and problem-solving skills, with the ability to interpret complex data and translate findings into clear, actionable recommendations.

• A self-starter mindset, with the ability to take initiative, work independently, and manage analytical projects with limited supervision.

• Comfort working in a fast-paced environment with ambiguity, changing priorities, and competing business objectives.

• Strong communication skills, including the ability to explain technical findings and analytical recommendations to product teams and non-technical stakeholders.

• A collaborative approach and the ability to work effectively with product managers, developers, and other cross-functional partners.

Benefits:

• Competitive salary: Compensation aligned with the role and the candidate's experience.

• Flexible working arrangements: Hybrid work options and the ability to work remotely from home or elsewhere within your home country, subject to the applicable policy.

• International work flexibility: The opportunity to work from another country for up to 90 days per year, in accordance with company policy.

• Health and well-being: Health insurance with a focus on physical and mental well-being, alongside access to an Employee Assistance Programme.

• Paid leave: 12 casual leave days and 15 privilege leave days.

• Learning and development: An annual professional learning and development budget to support continued growth.

• Office facilities: Access to a spacious office in Hyderabad's HITEC City area, with snacks available throughout the day.

• Paid volunteering: 24 hours of paid volunteering leave annually.

• Sabbatical leave: Access to sabbatical leave, subject to the applicable policy.

• Collaborative culture: Work in an inclusive environment that values teamwork, transparency, diverse perspectives, and knowledge sharing.

• Career growth: The opportunity to influence credit product decisions and develop expertise in fintech analytics and lending strategy.