Philippines - Upsell Apply for this position The Senior Data Analyst is responsible to drive risk-adjusted profitability (RAROC) across our consumer credit portfolio. This role sits at the intersection of credit risk, pricing, and portfolio economics, with a clear mandate: optimize money in versus money out. The Senior Analyst will focus on turning risk signals into profitable lending decisions, ensuring growth is capital-efficient and sustainable. Responsibilities Profitability & RAROC Optimization Own loan-level and segment-level profitability analysis, incorporating interest income, fees, funding costs, expected losses, and operating expenses Design and maintain RAROC and contribution margin frameworks used to guide: Approval cutoffs Risk-based pricing Credit limit management Identify negative or sub-optimal RAROC segments and recommend corrective actions (pricing adjustments, policy tightening, exposure reduction) Quantify the profit impact of strategy changes before implementation...