Business Analyst - Credit Risk

Credit – Credit - Data Science /
Full-time /
About PayU 
PayU, a leading payment and Fintech company in 50+ high-growth markets throughout Asia, Central and Eastern Europe, Latin America, the Middle East and Africa, part of Prosus group, one of the largest technology investors in the world is redefining the way people buy and sell online for our 300.000+ merchants and millions of consumers. 

As a leading online payment service provider, we deploy more than 400 payment methods and PCI-certified platforms to process approximately 6 million payments every single day. 

Thinking of becoming a PayUneer and you are curious to know more about us? Read more about the life in PayU here 

Business Analyst - Credit Risk

    • Roles and Responsibilities:
    • Perform diagnostic and predictive analytics to help create a portfolio segmentation strategy
    • considering, among others, macroeconomic environment, industry and micro-industry
    • concentrations, product, lifetime value, usage, risk appetite, geography, seasoning, term, credit
    • performance, etc.
    • Influence, monitor, and assess impacts to Family Capital Funding’s portfolio as a result of pricing,
    • product, acquisition strategy, underwriting policy, fraud detection, and portfolio monitoring and
    • collections.
    • Create predictive early detection credit deterioration capabilities using internal and external
    • performance data.
    • Investigate, create, implement and validate various risk and financial forecasts using complex data
    • including cohort and time series analysis of loan balances, revenue performance, net income
    • performance, portfolio dynamics, etc. and ensure an enterprise wide consistency in estimations.
    • Interface with Acquisition, Pricing, Product, Marketing, Finance, and Operations teams to help build
    • relationships, set goals and track operations performance, providing an actionable feedback loop as
    • it relates to portfolio performance across key Family Capital Funding metrics.
    • Ensure sound credit control by taking a pro-active approach to risk management within the risk
    • guidelines of Family Capital Funding.
    • Demonstrate governance, control and risk management behaviours in alignment with Family Capital
    • Funding policies and practices. Document all new processes per Enterprise policy
    • Assist with developing and enhancing credit structuring/packaging and risk assessment capabilities
    • to identify and maintain good business opportunities with new and existing clients.
    • Perform detailed analysis and interpret information to make recommendations to Senior
    • Management on critical strategies including non-standard and ad-hoc requests as determined bymanagement.
    • Ensure the timely and effective communication of forecasting results & variance drivers; anticipating
    • potential needs in an effort to establish and maintain good working relationships with key business
    • stakeholders.

Qualifications and Experience:

    • Qualifications and Experience:
    • Required:
    • Undergraduate degree in Economics, Engineering, or Mathematics
    • 6+ years of relevant experience in a Business Analytics, Finance, Strategy, or Product functional area
    • Excellent business judgment and risk assessment as demonstrated by previous work or academic
    • experience in an analytic role related to economic or business analysis
    • Ability to structure and breakdown open ended business problems and challenges into detailed
    • executable analytical frameworks
    • Strong Analytical and Problem-Solving Skills as demonstrated by previous experience in developing
    • creative solutions to business strategy, technological, and operational problems
    • Strong data understanding & data manipulation skills to help identify, track and solve for business
    • outcomes
    • Excellent SQL and analytic programming skills (R, Python, SAS, Excel), willingness to work closely with
    • large data sets and get into the details with business processes
    • Preferred:
    • • Master’s degree in Economics, Engineering, Mathematics or business administration
    • • 3+ years of relevant experience in a banking, financial services or any other credit / lending domain
About us
At PayU, we are a global fintech investor and our vision is to build a world without financial borders where everyone can prosper. We give people in high-growth markets the financial services and products they need to thrive. Our expertise in 18 high-growth markets enables us to extend the reach of financial services. This drives everything we do, from investing in technology entrepreneurs, to offering credit to underserved individuals, to helping merchants buy, sell and operate online. Being part of Prosus, one of the largest technology investors in the world, gives us the presence and expertise to make a real impact. Find out more 

Our Commitment To Building A Diverse And Inclusive Workforce 
As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive and safe environment, for all of our people, communities and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility and unbiased attention to each and every PayUneer so they can succeed, irrespective of gender, color or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities or the LGBTQ communities.