Business Analyst (Consumer Lending)

Role Summary

Analysis and Decision Support

• Use SQL to extract, join, and validate lending, payment, CRM, and behavioral-event data.
• Build KPI metric trees and investigate anomalies across mix, policy, product, seasonality, funnel, and data-quality drivers.
• Create dashboards and recurring reporting that leadership can act on.
• Develop quantified proposals covering AED impact, implementation cost, risk trade-offs, and measurement plans.
• Size opportunities before build and validate outcomes after launch using champion-challenger testing and downstream risk metrics.
• Present findings and recommendations to senior leadership.

Lending Economics and Controls

• Build unit economics models covering interest income, fee income, cost of funds, expected credit loss, acquisition cost, servicing, and collections.
• Explain how pricing, tenor, limits, approval rates, and repayment behavior affect lending profitability.
• Support pricing, limit strategy, and portfolio mix decisions with scenario and sensitivity analysis.
• Analyze interest accrual, fee recognition, repayment allocation, write-offs, recoveries, restructuring, and overdue treatment.
• Reconcile lending systems, payment providers, and finance ledgers and drive mismatch root causes to resolution.

Process and Implementation

• Drive adopted proposals through implementation with Product, Risk, Engineering, and Operations.
• Map acquisition, underwriting, disbursement, servicing, and collections processes to identify cost, time, and leakage.
• Quantify business cases for automation and process redesign and support delivery with relevant teams.
• Partner with Finance to reconcile business and financial reporting and support accurate revenue recognition and collection.

Requirements

• 4+ years of hands-on consumer lending or consumer credit experience is required.
• Strong independent SQL capability is required.
• Experience with consumer lending operational flows is required.
• Working knowledge of lending product P&L structure is required.
• Practical loan accounting and payment reconciliation experience is required.
• A track record of implemented proposals with measurable business results is required.
• Strong structured thinking and clear analytical communication are required.
• Strong written and verbal English communication, including executive presentation, is required.
• Ability to manage multiple concurrent workstreams is required.