Careers at Ezra

About the role:

• We are seeking a highly analytical, detail-oriented, and proactive Credit Analyst to join our team. This pivotal role is essential for bolstering our credit risk management framework by providing robust support for credit analytics, ongoing portfolio monitoring, and data-driven strategic decision-making.
• The successful candidate will play a critical role in maintaining the integrity and accuracy of our credit data and analytics processes. This position is ideally suited for candidates who possess demonstrable, hands-on experience with advanced data querying languages, specifically SQL, and a strong foundation in data analysis and manipulation. A key expectation for this role is the ability to work with a high degree of independence, ensuring the timely delivery of accurate, actionable credit insights and maintaining reliable, high-quality regulatory and internal reporting packages.

Key responsibilities:

• Analyze consumer credit data to support underwriting and portfolio monitoring
• Develop and maintain SQL queries for recurring and ad hoc analysis
• Produce regular reports and dashboards on portfolio performance (e.g., delinquency, roll rates, loss metrics)
• Conduct exploratory data analysis to identify trends, anomalies, and emerging risk indicators
• Monitor performance of existing credit policies, rules, and scorecards, and flag issues or opportunities
• Collaborate with Risk, Product, Finance, and IT teams to support data and reporting needs
• Ensure data accuracy, integrity, and compliance with internal standards and regulatory requirements

Qualifications and Experience:

• Bachelor’s degree in Finance, Economics, Statistics, Data Science, or a related field
• 2–4 years of experience in credit risk, analytics, or a similar role
• Solid understanding of credit risk principles (credit scoring, underwriting, delinquency and loss metrics)
• Proficiency in SQL (joins, aggregations, and query structuring)
• Experience working with structured datasets and performing data analysis
• Strong analytical thinking and attention to detail
• Professional proficiency in English

Preferred Qualifications:

• Experience in financial services, fintech, or lending environments
• Familiarity with data visualization tools (e.g., Tableau, Power BI)
• Working knowledge of Python, R, or advanced Excel

French language skills (beneficial)

The ideal candidate is someone who:

• Delivering accurate, timely, and reliable data outputs and insights
• Maintaining robust and efficient reporting processes
• Identifying meaningful trends and escalating risks appropriately
• Building strong working relationships across teams

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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