Credit Risk Analyst (Relocation to Tashkent)

About TechBiz Global

TechBiz Global is a leading recruitment and software development company. Our diverse, globally distributed team provides IT recruitment, outstaffing, outsourcing, software development, and different consulting services with a primary focus on making our partners achieve their business goals successfully.

With headquarters in Germany we have successful clients all over the world. We can understand your unique needs. Our team has hands-on experience with the challenges that come with rapid growth and the IT sector. That’s why all of our offerings are built with a tech mindset.

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.

• 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 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.

• 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