Data analytic (Risk Department)

Компания "АКИБ Ипотека-банк"

• Key Responsibilities
• Participate in the design and development of data marts for the Risk Management Division, ensuring alignment with business requirements and analytical needs.
• Design and develop risk-related analytical models, including:
  • Affordability / livelihood (income vs. expense) models
  • Risk monitoring models supporting portfolio quality tracking
  • Early warning and behavioral segmentation logic
• Perform advanced data analysis leveraging internal and external data sources:
  • Integration and analysis of credit bureau data
  • Analysis of external service providers’ data
  • Customer-level insights combining behavioral, transactional, and risk indicators
• Build and maintain customer–employer–income analysis frameworks:
  • Salary consistency and reliability checks
  • Employer stability analysis
  • Income trend and volatility monitoring
• Develop monitoring dashboards and analytical visualizations to support risk decision-making:
  • Portfolio monitoring (vintage, delinquency, trends)
  • Customer risk segmentation
  • KPI and early warning indicators
• Automate and continuously improve reporting and BI solutions:
  • Enhance data pipelines and reporting performance (DWH / BI layer)
  • Reduce manual effort through automation
• Work closely with cross-functional teams:
  • Risk Management
  • Data Warehouse (DWH) teams
  • BI / Reporting teams
  • IT development teams
• Participate in data model design (logical & physical):
  • Define fact/dimension structures
  • Ensure data consistency and reusability across analytical use cases
• Handle ad hoc analytical and business requests, delivering accurate and timely insights.
• Key Focus Areas:
• Credit risk analytics
• Portfolio monitoring & reporting
• External data utilization (credit bureau, alternative data)
• Customer financial behaviour analysis

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