Role Summary

Lead business analytics and profitability optimization for SME and Retail Lending products. Drive data-driven insights to support pricing strategies, product performance, and business unit profitability. Collaborate with stakeholders to enhance lending portfolio performance and ensure competitive, sustainable pricing models.

Responsibilities

• Business Analytics & Insights
  • Analyze lending portfolio performance, trends, and profitability.
  • Develop dashboards and reports for senior management decision-making.
  • Identify growth opportunities and risk areas through data-driven analysis.
• Pricing & Profitability Optimization
  • Design and implement pricing strategies for lending products.
  • Conduct margin analysis and recommend adjustments to optimize profitability.
  • Benchmark pricing against market trends and competitor offerings.
• Product & Business Strategy Support
  • Partner with product teams to evaluate new product proposals and pricing models.
  • Support business cases for lending initiatives and strategic projects.
  • Monitor KPIs and ensure alignment with organizational goals.
• Stakeholder Management
  • Collaborate with Risk, Finance, and Product teams to ensure cohesive strategies.
  • Present findings and recommendations to senior leadership.

Requirements

• Bachelor’s degree in Finance, Economics, Business Analytics, or related field (Master’s preferred).
• 3–6 years of experience in business analysis, pricing, or profitability management within banking or financial services.
• Strong understanding of lending products, credit structures, and market dynamics.
• Advanced proficiency in data analytics tools (Excel, SQL, Power BI/Tableau).
• Excellent communication and stakeholder management skills.
• Excellent project management skills.
• Ability to translate complex data into actionable business insights.