Senior Data Analyst

Credit Saison India; Bengaluru; On-site; INR 1,500,000 - 2,300,000; Full time

Job summary

Credit Saison India is seeking a Senior Data Analyst to own the data analytics lifecycle from KPI definition to advanced modeling and dashboards. You will build scalable solutions that inform risk, finance, and product decisions.

You will partner with cross‑functional teams to translate complex business needs into robust analytical frameworks, ensure data governance, and mentor junior analysts while delivering high‑impact insights.

Qualifications

• Bachelor’s or Master’s in a quantitative field from a top-tier institute.
• 3–5 years in data analytics, BI, or quantitative analysis; fintech preference is good.
• Expert SQL for complex queries, window functions, and data modeling.
• Advanced BI skills in Tableau or Power BI with semantic layer capabilities.
• Proficiency in Python or R for analytics and modeling.
• Strong understanding of retail lending metrics and credit risk.

Responsibilities

• Lead end‑to‑end analytics lifecycle from KPI definition to dashboards.
• Query and model data in cloud warehouses (Snowflake/BigQuery/Redshift).
• Develop predictive analytics and performance dashboards for leadership.
• Collaborate with Risk, Finance, Product, Tech to translate business needs.
• Mentor junior analysts and promote data governance and standards.

Skills

SQL mastery

Python/R

BI tool expertise

Stakeholder management

Data storytelling

Mentorship capability

Education

Bachelor's or Master's in Eng/CS/Stats

Tools

Snowflake

BigQuery

Redshift

Tableau

Power BI

Job description

Senior Data Analyst - JD

About Credit Saison India

Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees.

Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Roles and Responsibilities

This role requires a high level of analytical rigor, advanced data manipulation expertise, and strategic problem-solving capabilities. As a Senior Data Analyst, you will lead the end-to-end data analytics lifecycle—from defining key business metrics and querying complex data warehouses to building advanced statistical models, automating executive dashboards, and driving data-informed decisions across Risk, Finance, Operations, and Business Leadership.

Core Responsibilities

• Advanced BI & Executive Dashboarding: Oversee the architecture, design, and deployment of scalable, high-performance executive dashboards in Tableau or Power BI. Establish standardized KPIs and visualization best practices across teams.

• Complex Data Querying & Analytics Architecture: Write, optimize, and audit expert-level SQL queries and data models across cloud data warehouses (e.g., Snowflake, BigQuery, Redshift) to enable efficient analytics and reporting.

• Fintech Insight Generation & Predictive Analytics: Deep-dive into loan portfolio performance, risk scoring, vintage analysis, portfolio health (PAR, NPL, DPD), customer acquisition cost (CAC), lifetime value (LTV), and underwriting efficacy to provide actionable recommendations to leadership.

• Statistical Analysis & Automation: Leverage Python or R to perform statistical analyses, hypothesis testing, cohort analysis, predictive modeling, and automated data processing workflows.

• Cross-Functional Leadership & Governance: Partner with cross-functional stakeholders in Risk, Finance, Product, Tech, and Operations to translate complex business objectives into analytical frameworks, ensure data governance, and maintain strict data accuracy standards.

• Mentorship & Standards: Mentor junior analysts, establish code review and testing practices for analytical scripts and SQL models, and promote data-driven culture across the organization.

Required Skills & Qualifications

• Education: Bachelor’s or Master’s degree in Engineering, Computer Science, Statistics, Mathematics, or related quantitative field from a Tier-1 institute (e.g., IIT, NIT, BITS, or equivalent top-tier college).

• Experience: 3–5 years of experience in data analytics, business intelligence, or quantitative analysis, preferably with at least 1 year in Fintech, Banking, NBFC, or Financial Services.

• SQL Mastery (Mandatory): Expert-level command of SQL for complex query optimization, window functions, CTEs, performance tuning, and data modeling on cloud data warehouses.

• BI Tool Expertise (Mandatory): Advanced expertise in Tableau or Power BI, including semantic layer development, complex calculations (LOD expressions), parameters, performance optimization, and server/cloud administration.

• Advanced Analytics & Scripting (Mandatory): Hands-on proficiency with Python or R for data analysis, manipulation, and statistical computing using libraries such as Pandas, NumPy, and Scikit-learn.

• Fintech & Lending Domain Knowledge: Deep understanding of key retail lending metrics, credit risk dynamics, portfolio monitoring, vintage curves, and financial KPIs.

• Stakeholder Management & Communication: Excellent capability to present analytical findings and strategic narratives directly to C-suite and executive leadership.

Desired Skills (Bonus Points)

• Professional BI Certification (e.g., Tableau Certified Data Analyst, Power BI Data Analyst Associate).

• Experience with modern data stack tools like dbt, Apache Airflow, or Snowflake/BigQuery data pipelines.

• Foundational knowledge of machine learning techniques for credit risk scoring, churn prediction, or fraud detection.