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GoTyme Bank · 4 months ago

Senior Analyst - Credit Strategy & Analytics

United States

Full-time

Remote

Mid, Senior Level

2+ years exp

GoTyme Bank is a joint venture focused on democratizing financial services in the Philippines through digital banking technology. They are seeking a Senior Analyst – Credit Strategy & Analytics to evaluate credit risk and optimize lending products using advanced analytics and AI. This role involves collaboration with various teams to enhance credit strategies and improve customer experience in a remote-first environment.

BankingFinancial ServicesFinTech

Responsibilities

Analyze credit applications, customer profiles, and financial data to assess risk

Interpret credit scoring models, behavioral data, and alternative data sources to support credit decisions

Assist in setting and refining credit policies and underwriting criteria

Work with the business to develop and maintain NPV valuation (financial) models for the lending products, credit strategies, and portfolio performance

Monitor performance metrics such as delinquency, default rates, and recovery

Conduct cohort and segmentation analysis to identify trends and early warning indicators

Support the development of risk dashboards and reporting tools

Design, execute, and analyze lending campaigns aimed at driving credit usage, improving repayment behavior, or reducing risk

Partner with business, marketing, CRM, and product teams to ensure alignment of campaign goals with credit policies

Monitor campaign performance and provide recommendations for optimization

Work with business, product, engineering, and collections teams to design and implement lending workflows

Provide analytical support during new product rollouts or changes in credit policy

Participate in cross-functional discussions on customer experience and product risk

Work closely with business partners and be able to translate business problem to statistical problems and leverage machine learning technology to solve business problems

Experiment with new tools, techniques, algorithms and methodologies to enhance the bank’s capabilities

Qualification

Credit risk assessmentSQLPythonAI/ML frameworksData visualization toolsAnalytical problem-solvingFintech experienceCommunication skills

Required

Ability to work independently in a remote-first setup. Work hours 6:30 am to 3:30 pm IST

Bachelor's degree or higher in applied mathematics, statistics, computer science, physics, data science, economics, engineering or equivalent quantitative discipline

2–5 years of experience in consumer lending (credit cards or personal loans or BNPL required)

Strong SQL for data manipulation and reporting

Proficiency in Python for analytics, modeling, and automation

Proficiency in Excel, and/or data visualization tools (e.g., Tableau, PowerBI)

Strong analytical problem-solving skills and attention to detail

Excellent communication skills – able to present complex findings in a clear, concise manner

Preferred

Exposure to AI/ML frameworks (advantageous but not required)

Experience in fintech, digital banking, or technology-driven financial institutions preferred

Benefits

Competitive compensation and benefits package.

Company

GoTyme Bank

GoTyme Bank is a fintech firm that provides money transfers, investment options, and digital banking services. It is a sub-organization of Tyme Group.

Founded in 2021

Pasig, Rizal, PHL

201-500 employees