Credit Risk Analyst

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

Job summary

A fast-growing startup in Dubai is seeking a Credit Risk Analyst to deliver data-driven solutions in the financial modeling of distressed consumer loan portfolios. The role involves advanced recovery modeling, statistical analysis, and building visual reports using tools like SQL and Tableau. Candidates with expertise in financial modeling and a strong understanding of BNPL dynamics will thrive in this position. Join to play a central role in redefining debt recovery strategies in an evolving industry.

Qualifications

• Advanced proficiency in SQL and Python/R for data manipulation.
• Expert level in Tableau or similar for visualizing recovery trends.
• Expert Excel skills for financial modeling, including DCF and IRR analysis.

Responsibilities

• Develop and maintain recovery rate models focusing on high-potential segments.
• Construct correlation matrices to test recovery sensitivity against borrower signals.
• Utilize machine learning to identify lookalike borrowers for risk mitigation.
• Design and execute Portfolio Bid models integrating recovery forecasts.
• Build and manage Tableau dashboards for reporting to stakeholders.

Skills

Advanced proficiency in SQL

Expert level in Tableau

Expert Excel/Financial modeling

Understanding of BNPL

Job description

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.

We are searching for a Credit Risk Analyst with a track record of delivering innovative, data-driven solutions and a bias for action. In this role, The Pricing Manager will be responsible for the end-to-end financial modeling and valuation of distressed consumer loan portfolios (BNPL and unsecured personal loans). You will translate complex data signals, such as demographic indicators and borrower behavior, into actionable recovery forecasts and competitive investment bids.

Key Responsibilities

The 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.