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  • Posted: Dec 3, 2019
    Deadline: Not specified
  • Never pay for any CBT, test or assessment as part of any recruitment process. When in doubt, contact us


    Julla provides a simple and convenient shopping experience; customers can purchase items on loan digitally in seconds without a lengthy application or paperwork which provides a more inclusive alternative especially for customers in emerging markets without a credit history. We are building an entrenched ecosystem of merchants, consumers ...
    Read more about this company


    Senior Analyst - Credit and Analytics

    The credit analyst will work cross-functionally with Data Science, Product, Engineering and Capital Markets to responsibility manage the risk profile of the business. We’re looking for an intelligent, driven individual who wants to learn, grow, and solve difficult problems. The analyst’s mandate is to enable sustainable growth while closely managing the profitability and resilience of our portfolio.

    What you have

    • 3-5 years’ experience in credit risk management (preferred but not required).
    • Bachelor/Master’s degree with quantitative background (e.g. Statistics, Math, Financial Engineering, Economics).
    • Previous experience in analytics and/or quantitative modelling, using large datasets.
    • Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors.
    • Curiosity to learn about data, models and algorithms.
    • Fluency with SQL, Python, and or other scripting languages.
    • Ability to collaborate and influence across different teams in the organization.
    • Ability to communicate findings and recommendations clearly to both technical and non- technical audiences.
    • A passion for finding insights in data and driving change based on those insights.
    • Enthusiasm for working across functions and time zones.


    • Design and develop new credit, pricing, limit setting policies;
    • Track and update credit policy to optimize for company risk, profitability, and growth targets;
    • Lead the efforts to constantly iterate and improve credit underwriting and pricing strategies;
    • Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis;
    • Monitor the company portfolio to identify trends, and lead weekly credit committee meetings to share performance updates and analysis;
    • Design A/B tests to help understand risk return tradeoffs using hypothesis testing frameworks;
    • Expand existing set of data used in credit decisioning processes by evaluating information; value of non-traditional data sources;
    • Assist in new product formation and new market exploration;
    • Develop a robust valuations and monitoring infrastructure;
    • Forecast losses and delinquencies;
    • Monitor portfolio as well as macroeconomic trends impacting loan performance.
    • Drive adjustments to our underwriting and marketing strategies to mitigate risks;

    Method of Application

    If you got to this point and you’re excite about the job description you just read, please email us on with your resume

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