Credit Risk Analyst

ClearGrid; Abu Dhabi; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading debt resolution tech company is seeking a Credit Risk Analyst to develop recovery rate models and use advanced analytics to streamline debt resolution processes. The ideal candidate will have strong proficiency in SQL, Python, and Tableau, with expertise in financial modeling. You'll build dashboards and assist in pricing strategies to optimize recovery performances. This is a unique opportunity to have a significant impact in a fast-growing startup environment that values innovation and customer-driven solutions.

Benefits

Real ownership of projects

Impact in a growing industry

Join a high-growth team

Qualifications

• Advanced proficiency in SQL for data manipulation and modeling.
• Expert level in Tableau for visualizing recovery trends.
• Expert Excel skills for financial modeling (DCF, IRR, NPV).
• Deep understanding of BNPL or consumer credit lifecycles.

Responsibilities

• Develop and maintain recovery rate models using ClearGrid methodology.
• Construct correlation matrices for testing recovery sensitivity.
• Identify lookalike borrowers using machine learning.
• Design and execute Portfolio Bid models for pricing.
• Build and manage Tableau dashboards for reporting.

Skills

Advanced SQL proficiency

Expertise in Python/R

Expert level in Tableau

Financial modeling skills in Excel

Deep understanding of BNPL

Job description

ClearGrid is a digital platform redefining debt resolution through AI-driven, customer-first solutions. We help lenders streamline recovery while providing borrowers with tailored, flexible options that prioritize financial stability and trust. By focusing on transparency and regulatory compliance, ClearGrid simplifies the debt management process for both financial institutions and borrowers, making it efficient, secure, and adaptable to the needs of today’s fast-evolving financial landscape.

About ClearGrid

ClearGrid is on a mission to revolutionize the debt resolution industry by leveraging AI, automation, and real-time data to fundamentally transform collections. We're a fast-growing startup seeking ambitious builders who want to tackle massive challenges and create lasting impact. If you’re passionate about building from the ground up and redefining how products drive business and customer outcomes, we want you on our team.

Credit Risk AnalystThe candidate will be able to perform:

• Advanced Recovery Modeling: Develop and maintain recovery rate models using "ClearGrid" methodology, specifically focusing on identifying high-potential segments (top 5%) using data signals and explicitly define downside cases and sensitivity of recovery assumptions
• Statistical Correlation Analysis:
  • Construct correlation matrices to test recovery sensitivity against existing borrower signals to establish eligibility criteria and concentration limits.
  • Clearly articulate where data is directional rather than definitive
• Lookalike Modeling & Interpolation: Utilize machine learning or statistical grouping to identify "lookalike" borrowers within unidentified portfolios, applying scenario assumptions for risk mitigation.
• Portfolio Bidding & Strategy:
  • Design and execute the final Portfolio Bid models, integrating recovery forecasts with operational costs, concentration limits, and required profit margins to determine the purchase price.
  • Produce pricing ranges and downside scenarios, not just point estimates.
  • Support live transaction pricing discussions and iterative bid refinement under time constraints
• Visual Reporting: Build and manage Tableau dashboards to communicate conversion rates and recovery performance to senior stakeholders.

Requirements

• Data Tools: Advanced proficiency in SQL and Python/R for data manipulation and lookalike modeling.
• Visualization: Expert level in Tableau or other tools for large data sets to visualize recovery trends.
• Financial Modeling: Expert Excel/Financial modeling skills, specifically for NPL valuation (DCF, IRR, and NPV analysis of recovery streams).
• Domain Expertise: Deep understanding of BNPL or consumer credit lifecycles and the impact of "soft" signals on repayment behavior.

Why Join ClearGrid?

• Real ownership: You’ll play a central role in building products that redefine how collections work in the future
• Massive industry impact: This is one of those rare spaces where almost everything is still to be built.
• High-growth team: We’re scaling fast, and the systems, tools, and processes you help create will shape our foundation.