Credit Risk Analytics Manager at Kuda

Role Overview:

• As a Credit Risk Analytics Manager, you will be a key driver in shaping the direction of our credit products and enhancing our decision-making process. You’ll lead a talented analytics team, providing critical data-driven insights that will influence product design, acquisition strategies, portfolio management, collections, and overall P&L performance. Your analysis will directly impact core business metrics, with your recommendations playing a pivotal role in optimizing and improving the performance of our credit products.
• You will be expected to deep dive into large data sets to identify trends, forecast P&L, and provide actionable insights that will guide decision-making at every stage of the credit lifecycle. With the ability to collaborate cross-functionally and present your findings to C-level executives, you will drive strategy, improve processes, and support your team members in executing key initiatives.

Key Responsibilities:

• Lead end-to-end credit product analytics, from pricing and underwriting policies to collections and portfolio performance optimization.
• Analyze and optimize portfolio performance, policy rules, score cut-offs, and credit limits, driving improvements that directly impact core business metrics such as risk and profitability.
• Forecast P&L, assess affordability, and recommend credit limits, ensuring alignment with business objectives and customer needs.
• Drive strategy through A/B testing for lending products and collections strategies, ensuring constant iteration and improvement of the credit products.
• Deliver ad-hoc analyses and business intelligence (BI) reports to support business decisions, helping guide the evolution of credit products and performance monitoring.
• Present data-driven insights to C-level executives, explaining trends and making recommendations that influence business decisions.
• Lead and mentor your team, fostering a collaborative environment that empowers team members to deep dive into data, find actionable insights, and execute strategies effectively.

Who you’ll work with:

• You’ll collaborate across Credit Risk, Collection, Finance, Product, Engineering and Data teams -  ensuring our credit products are competitive, sustainable, and customer-focused.

We are seeking someone who can:

• Drive decision-making with actionable insights, recommendations and solutions that improve products and impact key business metrics.
• Deep dive into data, translating complex information into clear recommendations for stakeholders.
• Lead a team, providing support, guidance, and mentorship, while creating an environment where team members can grow and excel.
• Present complex findings to senior leadership, including C-level executives, explaining trends and making data-driven recommendations.
• Work cross-functionally with multiple teams to ensure the alignment of business strategies, while delivering results that impact the company’s success.

Requirements

• A degree in a quantitative discipline such as Mathematics, Statistics, Physics, or a related field.
• Credit Strategy Expertise: Proven experience in designing and executing credit strategies such as underwriting policy rules, score cut-offs, credit limit assignments, and pricing strategy on a consumer credit portfolio.
• 5+ years of experience in credit risk analytics or data analysis, with at least 2 to 3 years of experience leading a team.

Must have

• Proficient in SQL for querying and analyzing large datasets.
• Strong understanding of A/B testing methodologies and statistical testing.
• Experience with statistical software packages (open-source languages like Python or R preferred).
• Deep knowledge of credit portfolio performance metrics, including, but not limited to annualized loss, vintage curves, roll rate, exposure at default (EAD), and loss given default (LGD).
• Proven ability to turn data into actionable insights that inform business decisions and optimize credit products.
• Ability to present complex analyses to senior leadership and explain data trends clearly and concisely.

Desirable skills / knowledge

• Proficiency in programming languages (open-source preferred, e.g., Python, R).
• Experience in developing end-to-end business reports, including requirement analysis, visualizations, data sourcing, report production, and stakeholder management.
• Ability to interpret and generate actionable insights from monitoring reports, advising business owners on responses and next steps based on findings.