Senior Product Analyst - Credit Products

Jobgether; United States; Hybrid; USD 95,000 - 140,000; Full time

Benefits offered by this job

Hybrid work options

Remote work within home country

International work up to 90 days per年

Health insurance

Paid leave: 12 casual + 15 privilege

Learning & development budget

Office in Hyderabad HITEC City

Paid volunteering: 24 hours

Sabbatical leave

Job summary

Jobgether is seeking a seasoned credit analytics professional to drive insights on credit products in a fintech setting. You will analyze complex datasets, monitor KPIs, and partner with product and engineering teams to optimize lending performance.

The role emphasizes independent work, clear communication, and the ability to translate data into business actions. The position offers hybrid work options and opportunities to influence credit product decisions while advancing fintech analytics

Qualifications

• 4+ years of experience as a credit-focused analyst, data analyst, or data scientist in fintech or banking.
• Expert-level SQL skills, including navigating complex data warehouse structures and extracting insights.
• Experience analyzing credit products, lending performance, or credit risk data.
• Experience monitoring credit risk KPIs and mitigating risk while supporting business growth.
• Strong analytical and problem-solving skills to translate data into actionable recommendations.
• Self-starter mindset with ability to work independently with limited supervision.
• Ability to thrive in a fast-paced environment with ambiguity and shifting priorities.
• Strong communication to explain findings to product teams and stakeholders.
• Collaborative approach with cross-functional partners including product managers and developers.

Responsibilities

• Analyze datasets to evaluate credit product performance and deliver actionable recommendations.
• Monitor and interpret credit risk KPIs and propose strategies to mitigate risks.
• Guide design and development of credit products using data-driven insights.
• Investigate lending performance and customer behavior to inform strategy.
• Prepare reports, dashboards, and presentations for senior management.
• Translate analytical findings into practical recommendations balancing risk and growth.
• Identify analytical opportunities and resolve complex business questions independently.
• Improve analytical methodologies and reporting processes for credit evaluation.
• Stay informed on fintech and credit analytics trends to identify innovations.

Skills

SQL

Credit risk

Data analysis

KPIs

Analytical skills

Self-starter

Communication

Cross-functional

Job description

Accountabilities

• Analyze complex datasets to evaluate credit product performance, identify trends, uncover opportunities, and deliver actionable business recommendations.
• Monitor and interpret credit risk key performance indicators (KPIs), identifying emerging risks and recommending strategies to mitigate them while supporting sustainable business growth.
• Partner with credit product managers and developers to guide the design, development, and optimization of credit products using data-driven insights.
• Investigate lending performance and customer behavior to support informed decisions on product strategy, risk management, and business priorities.
• Prepare clear, comprehensive reports, dashboards, and presentations that communicate findings and recommendations to senior management and relevant stakeholders.
• Translate analytical findings into practical recommendations that balance credit risk, product performance, and commercial objectives.
• Work independently to identify analytical opportunities, investigate complex questions, and resolve ambiguous business challenges.
• Continuously improve analytical methodologies, reporting processes, and approaches to credit product evaluation.
• Stay informed about developments in fintech, credit analytics, lending products, and data analysis tools to identify opportunities for innovation.

Requirements:

• At least 4 years of experience as a credit-focused analyst, data analyst, or data scientist within a fintech company or banking environment.
• Expert-level SQL skills, including the ability to navigate complex data warehouse structures, understand relationships across datasets, and extract meaningful insights.
• Practical experience analyzing credit products, lending performance, or credit risk data.
• Experience monitoring credit risk KPIs and developing or recommending strategies to mitigate risk while supporting business growth.
• Strong analytical and problem-solving skills, with the ability to interpret complex data and translate findings into clear, actionable recommendations.
• A self-starter mindset, with the ability to take initiative, work independently, and manage analytical projects with limited supervision.
• Comfort working in a fast-paced environment with ambiguity, changing priorities, and competing business objectives.
• Strong communication skills, including the ability to explain technical findings and analytical recommendations to product teams and non-technical stakeholders.
• A collaborative approach and the ability to work effectively with product managers, developers, and other cross-functional partners.

Benefits:

• Competitive salary: Compensation aligned with the role and the candidate's experience.
• Flexible working arrangements: Hybrid work options and the ability to work remotely from home or elsewhere within your home country, subject to the applicable policy.
• International work flexibility: The opportunity to work from another country for up to 90 days per year, in accordance with company policy.
• Health and well-being: Health insurance with a focus on physical and mental well-being, alongside access to an Employee Assistance Programme.
• Paid leave: 12 casual leave days and 15 privilege leave days.
• Learning and development: An annual professional learning and development budget to support continued growth.
• Office facilities: Access to a spacious office in Hyderabad's HITEC City area, with snacks available throughout the day.
• Paid volunteering: 24 hours of paid volunteering leave annually.
• Sabbatical leave: Access to sabbatical leave, subject to the applicable policy.
• Collaborative culture: Work in an inclusive environment that values teamwork, transparency, diverse perspectives, and knowledge sharing.
• Career growth: The opportunity to influence credit product decisions and develop expertise in fintech analytics and lending strategy.