Associate Credit Analyst

About the role

EZRA Shipping is looking for a highly analytical and proactive Associate Credit Analyst to strengthen its credit risk management framework. The role focuses on credit analytics, portfolio monitoring, and delivering data‑driven insights to support strategic decisions.

Key responsibilities

• Analyze consumer credit data to support underwriting and ongoing portfolio monitoring.
• Develop and maintain SQL queries for recurring and ad‑hoc analysis.
• Produce regular reports and dashboards on portfolio performance, including delinquency, roll rates, and loss metrics.
• Conduct exploratory data analysis to identify trends, anomalies, and emerging risk indicators.
• Monitor the performance of existing credit policies, rules, and scorecards, flagging issues or opportunities.
• Collaborate with Risk, Product, Finance, and IT teams to meet data and reporting needs.
• Ensure data accuracy, integrity, and compliance with internal standards and regulatory requirements.

Required profile

• Bachelor’s degree in Finance, Economics, Statistics, Data Science or a related field.
• 2–4 years of experience in credit risk, analytics, or a similar role.
• Solid understanding of credit risk principles such as scoring, underwriting, delinquency and loss metrics.
• Strong analytical thinking, attention to detail and ability to work independently.
• Professional proficiency in English.

Required skills

• SQL (joins, aggregations, query structuring).
• Python.
• R.
• Tableau.
• Power BI.
• Advanced Excel.