<p>We are looking for a <strong>Risk Analyst</strong>.<br><br>The <strong>Credit Card Risk</strong> team is responsible for managing credit risk and driving profitability across the credit card portfolio. We design and implement risk decision-making processes throughout the entire customer lifecycle, including underwriting and collections strategies.</p> <p>Risk strategy plays a critical role in the company’s overall performance, directly impacting growth, profitability, and portfolio quality.</p> <p>Our team focuses on developing advanced analytical approaches, building models, and creating tools that enhance business processes and key metrics. We are committed to a data-driven approach to decision-making.</p> <p> </p> <p><strong>Challenges that await you:</strong></p> <ul> <li>Risk and Profitability Management</li> <li>Manage, monitoring and improvement of Credit Card’s risk strategy, limit policy within adopting ML & AI models to maximise product profitability</li> <li>Develop and manage NPV model of the product</li> <li>Interaction with business department about product and origination process, product conditions, tariffs, acquisition channels profitability</li> <li>Designing, testing, and validating hypotheses to enrich knowledge about dependencies, impact of additional features, impact of changes in process</li> <li>Developing analytical frameworks and tools for fast, scalable, and comprehensive reporting</li> </ul> <p><strong>What makes you a great fit:</strong></p> <ul> <li>1+ year of professional experience in risk or product analytics </li> <li>Education: Mathematics, physics, engineering, economics, computer science</li> <li>Experience with databases, strong knowledge of SQL</li> <li>Experience with one of the analytical scripting languages (Python / R)</li> <li>Strong analytical skills, understanding of basic machine learning concepts</li> <li>Strong knowledge of mathematical statistics and understanding of probabilities</li> <li>B1 or higher English level for effective communication with an international team</li> </ul> <p><strong>Nice to have</strong></p> <ul> <li>Understanding of retail risk management principles: adverse selection, vintage / portfolio analysis, knowledge of key risk and product metrics in retail lending</li> <li>Knowledge of unit economics of credit cards, ability to explain dependencies and key metrics</li> <li>Understanding of advanced machine learning concepts and approaches</li> <li>Experience working with BI tools (e.g., Tableau, Power BI, Looker, or similar)</li> </ul> <p><strong>Our ways of working:</strong></p> <div class="t396__elem tn-elem tn-elem__8559900061715530713504" data-elem-id="1715530713504" data-elem-type="text" data-field-top-value="1060" data-field-left-value="271" data-field-height-value="182" data-field-width-value="598" data-field-axisy-value="top" data-field-axisx-value="left" data-field-container-value="grid" data-field-topunits-value="px" data-field-leftunits-value="px" data-field-heightunits-value="px" data-field-widthunits-value="px" data-field-textfit-value="autoheight" data-field-top-res-320-value="1747" data-field-left-res-320-value="10" data-field-width-res-320-value="303" data-field-container-res-320-value="grid" data-field-top-res-480-value="1670" data-field-left-res-480-value="80" data-field-height-res-480-value="338" data-field-width-res-480-value="321" data-field-container-res-480-value="grid" data-field-top-res-640-value="1239" data-field-left-res-640-value="65" data-field-width-res-640-value="489" data-field-top-res-960-value="1087" data-field-left-res-960-value="150" data-fields="top,left,width,height,container,axisx,axisy,widthunits,leftunits,topunits"> <div class="tn-atom"> <ul> <li><strong>Innovative Spirit: </strong>a commitment to creativity and groundbreaking solutions</li> <li><strong>Honest Feedback:</strong> valuing open, transparent communication</li> <li><strong>Supportive Team: </strong>a strong, collaborative community</li> <li><strong>Celebrating Achievements: </strong>recognizing our wins together</li> <li><strong>High-Tech Environment:</strong> a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances</li> </ul> </div> </div> <div class="t396__elem tn-elem tn-elem__8559900061715530713509" data-elem-id="1715530713509" data-elem-type="text" data-field-top-value="1274" data-field-left-value="271" data-field-height-value="20" data-field-width-value="656" data-field-axisy-value="top" data-field-axisx-value="left" data-field-container-value="grid" data-field-topunits-value="px" data-field-leftunits-value="px" data-field-heightunits-value="px" data-field-widthunits-value="px" data-field-textfit-value="autoheight" data-field-top-res-320-value="2110" data-field-left-res-320-value="11" data-field-width-res-320-value="210" data-field-container-res-320-value="grid" data-field-top-res-480-value="2032" data-field-left-res-480-value="80" data-field-width-res-480-value="318" data-field-top-res-640-value="1530" data-field-left-res-640-value="69" data-field-width-res-640-value="307" data-field-top-res-960-value="1300" data-field-left-res-960-value="154" data-fields="top,left,width,height,container,axisx,axisy,widthunits,leftunits,topunits"> <div class="tn-atom"><strong>Our benefits:</strong></div> </div> <div class="t396__elem t