Job Responsibilities (7 bullet points max)

Conduct detailed quantitative analysis and design analytical frameworks to forecast key account performance and profitability measures, including Return on Equity (RoE). Develop pricing strategies by contributing to credit and product strategy, translating product and margin goals into actionable pricing roadmaps, and creating test plans for each portfolio. Collaborate with Product, Risk, Fraud, and Collections teams to execute strategies that achieve credit goals. Develop and implement metrics to track portfolio performance and contribute to reporting dashboards for senior leadership. Create, maintain, and enhance multi-year financial models to assess the impact of strategic decisions on the Profit & Loss (P&L) statement. Perform in-depth data analysis to produce clear insights that translate into financial impact. Work with leadership to set achievable financial targets aligned with long-term goals.

Required Qualifications, Capabilities, and Skills (7 bullet points max)

Bachelor's degree in Engineering or a quantitative field required; MBA (Finance) or CFA is an advantage. Minimum of 5+ years of experience in analytical and financial roles, with a background in banking products. Excellent verbal and written communication skills. Superior financial modeling skills and financial analysis experience; experience in retail finance or credit card finance within a bank is a plus. Proven ability to work independently on open-ended business problems and produce data-driven insights. Proficiency in Microsoft Office, especially Excel and PowerPoint. Experience with data extraction and analysis tools such as SQL, Alteryx, Python, Databricks, and Snowflake.

Preferred Qualifications, Capabilities, and Skills

Knowledge of Tableau is an added advantage. Experience in discounted cash flow valuation is a plus. Flexibility to work in EMEA shift.