Specialist - Credit Innovation Analyst

As a Credit Innovation Analyst, you will play a key role in supporting the design, enhancement, and implementation of innovative credit solutions within the Credit Innovation team. You will leverage data-driven insights, process analysis, and customer journey understanding to contribute towards scalable, customer-centric credit capabilities across the retail lending value chain.

• Support the development and execution of credit innovation initiatives aligned to business and customer strategy.
• Analyse customer, operational, and credit performance data to identify improvement and innovation opportunities.
• Monitor product and process performance to identify optimisation opportunities and support continuous improvement initiatives.
• Perform advanced data analysis on customer behavior, product performance, and credit risk metrics.
• Develop dashboards, reports, and visualizations to support product development and strategic decision-making.
• Identify trends, patterns, and anomalies in credit data to inform product enhancements and innovation opportunities.
• Conduct market research, competitor benchmarking, and customer analysis.
• Identify opportunities to enhance credit products and customer journeys.
• Monitor industry trends across credit, fintech, and digital innovation.
• Track and report on key product KPIs including uptake, usage, delinquency, and profitability.
• Conduct post-launch analysis to assess the impact of new features or changes.
• Support A/B testing and experimentation initiatives with robust data analysis.
• Assist in defining data requirements for new product features and enhancements.
• Work with technology and data engineering teams to ensure data availability and quality.
• Support Agile delivery processes by providing timely analytical input during sprints.
• Present findings and recommendations to internal stakeholders in a clear, actionable format.
• Collaborate with Risk, Compliance, Finance, and Product teams to ensure alignment on data-driven decisions.

• Bachelor’s degree in Data Science, Statistics, Economics, Finance, or related field.
• 4 - 6 years of experience in data analysis, preferably within financial services or credit risk.
• Proficiency in data tools such as SQL, Python, R, Excel, and visualization platforms (e.g., Power BI, Tableau).
• Exposure to Agile product development and innovation environments is a plus.
• Strong analytical and problem-solving skills.
• Excellent communication and stakeholder engagement abilities.
• Curious, detail-oriented, and proactive in identifying opportunities.