Credit Analyst at Ezra

About the role:

• We are seeking a highly motivated, proactive, and commercially minded Senior Credit Analyst to take a leading role within our Credit team. This position is central to enhancing our credit risk management capabilities.
• The successful candidate will be responsible for leading sophisticated credit analytics, driving deep portfolio insights, and playing a pivotal role in the development and refinement of our overarching credit strategy and policy framework.
• The Senior Credit Analyst will be instrumental in safeguarding the quality of the credit portfolio while identifying opportunities for commercially sound growth.

Key responsibilities:

• Lead analysis of consumer credit portfolios, identifying key risk drivers and performance trends
• Design, optimize, and oversee complex SQL queries and analytical workflows
• Translate data insights into actionable recommendations for underwriting strategy and credit policy
• Develop, refine, and validate credit rules, scorecards, and segmentation strategies
• Monitor portfolio health (delinquency, default, loss, and vintage performance) and recommend proactive actions
• Partner with senior stakeholders across stakeholders  to influence decision-making
• Drive improvements in data processes, reporting automation, and analytical frameworks

Qualifications and Experience:

• Bachelor’s degree in Finance, Economics, Statistics, Data Science, or a related field
• 4–7+ years of experience in credit risk, analytics, or lending environments
• Strong understanding of credit risk modeling, portfolio analytics, and policy design
• Advanced SQL proficiency and experience working with large datasets
• Proven ability to independently manage analytical projects and influence outcomes
• Strong communication and stakeholder management skills
• Professional proficiency in English

Preferred Qualifications:

• Experience in fintech or digital lending environments
• Proficiency in Python or R for data analysis or modeling
• Experience with credit scorecards or risk model development
• Familiarity with regulatory frameworks in consumer lending
• French language skills (beneficial)

The ideal candidate is someone who:

• Driving measurable improvements in portfolio performance and risk management
• Influencing credit strategy through data-driven insights
• Delivering high-quality, scalable analytical solutions
• Elevating team capability through mentorship and process improvements
• Acting as a trusted advisor to business stakeholders