Portfolio Risk Analyst — Consumer Lending (Russian only)

Company Description
We're a fast-growing, data-driven consumer finance company in Vietnam, looking for a hands-on Portfolio Risk Analyst to drive portfolio performance, optimize credit decisioning, and deliver actionable risk insights. This role offers direct exposure to lending strategy, scorecard governance, fraud analytics, and profitability optimization.

What You'll Do
Monitor and analyze portfolio performance metrics across multiple active scorecards, including: Approval Rate (AR); NPL1 / NPL10; Weekly LTV across 3–5 active scorecards; Vintage and cohort performance
Design, evaluate, and recommend scorecard cutoff adjustments by quantifying the trade-off between approval volume, credit losses, and profitability.
Conduct LTV and profitability analysis using transaction-level payment data, including principal, interest, fees, and customer-level revenue performance.
Investigate and identify fraud patterns and emerging risk signals, including: multi-phone and identity linkages; CCCD associations; SIM swap indicators
Application velocity and behavioral anomalies
Assess and validate new third-party data providers by evaluating coverage, hit rates, predictive lift, and impact on portfolio risk performance.
Audit scorecard deployments, A/B testing frameworks, and model performance to detect drift, implementation issues, and changing portfolio characteristics.

Qualifications
3+ years of experience in consumer lending, digital lending, microfinance, BNPL, fintech, or payments risk analytics.
Advanced SQL skills (PostgreSQL and/or Microsoft SQL Server) including CTEs, Windows functions on 100M+ row tables
Strong Python (pandas, SQLAlchemy) for reproducible analysis
Clear grasp of NPL definitions, vintage curves, cutoff economics
Concise written English

Nice to have
Experience in the Vietnamese consumer finance or microfinance market.
Background in credit scorecard development; Fraud analytics and fraud prevention experience; A/B testing within lending products.

What we offer

Real impact — cutoff changes ship in days, not quarters
Direct read access to production replicas
Competitive salary package + performance bonus
Remote work

Apply: send CV + a short note (200 words) describing the most impactful risk analysis you've done. First round is a case study on anonymized loan data.