Senior Data Scientist, Analytics (Lending)

The role

You will monitor and optimize the performance of the business lending portfolio through data-driven analysis and credit risk strategy support. You will translate portfolio and policy questions into analytical frameworks and actionable recommendations.

What you will do

• Monitor and analyze the performance of existing business lending portfolios
• Identify emerging risks within the portfolio and provide actionable insights
• Support the assessment and optimization of portfolio-level credit strategies
• Prepare portfolio reports, risk dashboards, and management summaries
• Collaborate with Operations and Product teams to ensure consistent application of credit policies
• Participate in periodic portfolio reviews, stress testing, and credit risk assessment exercises
• Provide analytical support for regulatory reporting, audits, and internal governance requirements

Required qualifications

• 3+ years of experience in credit risk analytics, risk strategy, portfolio analytics, or a related quantitative role
• Bachelor’s degree or above in Quantitative Finance, Statistics, Computer Science, Business Analytics, Data Science, or a related quantitative discipline
• Proficient in SQL and Python
• Strong problem-solving skills and experience working with large datasets
• Strong attention to detail and the ability to identify discrepancies in data
• Experience partnering with cross-functional stakeholders to solve business problems

Nice to have

• Hybrid experience of both risk analytics and modelling
• Experience in SME lending experience preferred
• Hands-on experience in ECL modelling, credit strategy analysis, or credit risk assessment
• Experience designing credit policies, decision strategies, or performance monitoring frameworks
• Familiarity with stress testing, governance, audit, or regulatory reporting processes

Benefits

• Opportunity to work on impactful credit risk problems
• Collaborate with a talented, cross-functional team in a fast-paced, high-growth environment
• Drive better portfolio decisions through analytics, monitoring, and risk insights

About the company

Airwallex is the AI-native financial operating system for a real-time, intelligent economy. It provides financial infrastructure for global commerce with offices across North America, Europe, the Middle East, and Asia-Pacific.