Data analyst (lending products for retail customers)

General duties
Identify, calculate and analyze key parameters to fully measure product or campaigns performance, including business (sales volumes, interest rate, card transactional behavior, card limits and outstanding balances, card activation and utilization, churn, etc.), financial (P&L, early repayment, C/I, margins, etc.), risk (vintage analysis, roll rate, risk cost, etc.)
Perform customer segmentation and analysis based on card transactional behaviour & spending patterns
Automate reports and look for ways to enrich them with new metrics with added value to the product or campaigns management
Develop automatized reports systems and reports visualization (Power BI)
Develop monitoring dashboards to track and evaluate campaigns performance
Develop triggers to early catch any deviations
Propose data-driven measures to improve product or campaigns performance
Perform sensitivity analysis for business purposes
Provide calculation support during budgeting process
Ad-hoc analysis and calculations upon request


Requirements
Previous experience in data management (DWH/Oracle/SQL) and data analysis (data manipulation and automation of reports)
Experience in building reporting and monitoring system from scratch
Knowledge of existing solutions on the market – Power BI, OLAP-cubes, Tableau
Considered an advantage:
Analytical or financial background – knowledge in NPV, P&L, IFRS
Previous experience in credit risk management
Previous experience as data miner or business/data analyst in a financial or tech company
Skills and competences:

Independency and responsibility – good candidate should be fully responsible for the product analytics – proactively create all reports required for business users to manage the product or campaigns performance
Result orientation/entrepreneurs mindset – candidate should be able to explain the business ground for each metric and what course should business take for the metric to evolve in the desired direction
Proactive and initiative – good candidate should be able to make data-driven proposals
Problem solving mindset – in case of deviation of original planning, good candidate should be able to identify the problem, put it on the table, explain possible solutions and defend the best according to him
Analytical skills – ability to calculate or set up a proper request how to calculate any parameter (business, financial or risk)
Financial skills – know general principles of financial reports and metrics
“Out-of-the-box” thinking – can propose new ideas himself and be able to defend his point of view


DSK Bank offers
Excellent opportunities for professional and career development in one of Bulgaria’s leading banks
Food vouchers in the amount of up to 102.26 euro per month
20+5 paid holiday leave
Additional Health Insurance
Annual bonus scheme depending on the achieved results
Favorable conditions for housing and mortgage lending
Preferential conditions for Multisport / CoolFit card
Discounts in various companies
Great central location of the office
Refer a Friend Bonus


Documents for application
CV