Space International is a team of courageous, empathetic, passionate, and vibrant tech talents who create a banking platform with superior customer experience, placing a special focus on differentiating by design, customer care, price transparency, and instant service delivery.
Our courage and winning spirit help us reach incredible results — Space was first launched in Georgia as a neo-bank in a record time of eight months in 2018 and, later in 2020, in Uzbekistan under the brand name TBC Uz. Our employees are at the heart of our success, and we are agile enough for your ideas to make a difference and big enough for your career to grow. Join Space International as a Credit Risk Analyst, where you’ll play a crucial role in monitoringour credit portfolio’s performance, identifying risks and opportunities, and collaborating with our team to enhance retail loan products. Your responsibilities include comprehensive risk assessments, data analysis, and proactive recommendations. If you have a strong analytical mindset and are ready to contribute to a dynamic, innovative environment, apply now.
Main responsibilities:
- Monitor and analyze the credit portfolio performance, identifying potential risks and opportunities for improvement.
- Closely collaborating with credit risk portfolio managers to improve current retail loan products (Cash Loan, POS, Car Loan) in terms of credit risks by interpreting and analyzing data using statistical and visualization techniques and providing business recommendations.
- Conduct comprehensive risk assessments and credit analysis for loan applications, ensuring adherence to risk standards and guidelines.
- Processing and analyzing large and complex datasets from various sources: loan book, credit history report, tax report, debit card transaction reports, mobile payments, etc.
- Regularly prepare reports for the bank’s Risk Management.
- Work with the team of IT business analysts and developers to implement relevant changes in product, decision strategy and scoring in relevant loan origination software and decision engine.
- Continuous search and analysis of alternative data sources for scoring model and decision-making optimization.
- Collaborating with other stakeholders to communicate data-based insights: modeling team, soft collection, hard collection, and commercial team.
Main requirements:
- At least 2 years of experience dealing with large volumes of complex data.
- Excellent communication skills with ability to present complex findings in English or in Russian.
- Excellent SQL skills: joins, sub queries, window functions.
- Strong Python (pandas, numpy, matplotlib, seaborn) or R (dplyr, stringr, ggplot2) skills.
- Strong Excel skills: VLOOKUP, pivot tables, visualizations.
- Bachelor’s degree in economics, computer science, information systems or related fields.
- Experience working in a retail bank’s credit risk department would be an advantage.
Skills:
- Excellent analytical, verbal and written communication, exceptional interpersonal, and relationship building skills with business stakeholders.
- A strategic thinker with the ability to review a situation from varied perspectives as well as a willingness to make judgment calls and decisions based on experience and reasonableness tests.
- Strong organizational skills and detail oriented.
- Ability to streamline complex processes.
- Ability to meet strict deadlines with excellent follow-up skills.
- Comfortable with a «hands-on» approach and balancing multiple, competing priorities and changes in scope/direction, all with a high sense of urgency and positive «can-do» attitude.
- Ability to work in a fast-paced environment and adapt to change very quickly with minimal supervision.
Languages:
- Russian
- English
