Credit Risk Analyst
About The Role
As Credit Risk Analyst at Circle, you are the engine room of credit risk execution. You support the Head of Credit Risk in maintaining the Business Rules Engine, monitoring portfolio risk indicators & producing the analysis that drives every policy & modelling decision. You will work hands-on with CIC bureau data, KCI behavioural scores, application data & Pismo transactional data - turning raw inputs into the dashboards, test cases & policy memos that keep the programme on track. This is a build role: you will write SQL, run UAT, configure DMN tables & see your work go live in production.
Key Responsibilities
• BRE Maintenance & Testing: Support development, configuration & maintenance of credit risk rules, scorecards & decision trees in Scienaptic. Conduct UAT for every BRE rule change - including Postman API testing, response validation & test case sign-off.
• Decision Engine Monitoring: Verify that BRE outputs are correct across all application paths (PCB_KO_check, Application_Paths, Card_for_Card, Standard). Investigate decisioning anomalies & partner with Tech to root-cause issues.
• Data Analysis: Extract, clean & analyse application data, CIC bureau pulls, KCI behavioural scores & Pismo transaction data. Build the queries & the cuts that answer the credit risk questions.
• Risk Monitoring Dashboards: Build & maintain risk reporting - approval rate trends, score distribution drift, DPD bucket migration, FPD monitoring, segment-level performance. Surface early warning signals before they become losses.
• Modelling Support: Support the Head of Credit Risk on scorecard development & recalibration - feature engineering, WOE/IV analysis, model validation, performance tracking (PSI, KS, Gini).
• Champion–Challenger Support: Help design experiments, manage data collection & measure outcomes for credit policy A/B tests.
• Documentation & Governance: Document DMN configurations, policy rationale, model methodology & change history for auditability, governance & regulator review.
• Ad-hoc Analysis: Respond to risk questions from the CRO, the CEO & partner-bank counterparts. Turn fuzzy questions into clear answers backed by data.
• Policy Document Support: Help maintain Circle's policy documents (CIR-RISK-POL-xxx) - drafting changes, gathering evidence, preparing bilingual EN/VI submissions for review.
Requirements
Key Requirements
• Bachelor's degree in Statistics, Mathematics, Finance, Economics, Data Science or a related quantitative field.
• 2–4 years in risk analytics, credit modelling, or data analysis in finance or fintech. Exceptional postgraduates with strong quantitative skills will be considered.
• Solid SQL skills & working proficiency in Python or R for data analysis.
• Experience with credit bureau data (CIC) & a working understanding of scorecard methodology (logistic regression, WOE/IV, KS, Gini).
• Familiarity with API testing tools (Postman) & JSON data structures.
• Knowledge of Business Rules Engine concepts & DMN is a strong advantage; willingness to learn fast is mandatory.
• Strong attention to detail & structured problem-solving - "close enough" is not good enough when policy decisions follow your numbers.
• Strong Excel skills for test case documentation, ad-hoc analysis & policy memos.
• Vietnamese (required, native or fluent); English (intermediate or above - for documentation & partner coordination).
Benefits
Why Join Us
• Hands-on Work, Visible Impact: Your queries & test cases ship to production. You see the impact of your work in approval rates, loss curves & partner reviews within weeks, not quarters.
• Opportunity to Innovate: At Circle your mission is to push barriers – through models, technology, alternate data – unlike incumbents we’re build on the cloud & embrace the potential of AI to transform the way we take care of customers & business!
• Real Stack, Real Skills: Pismo, Scienaptic, CIC, KCI, Postman, SQL, Python - you graduate from this role with a tool kit that very few analysts in Vietnam have.
• Front Row position: Work directly with Head of Credit Risk & Chief Risk Officer; sit in on bank partner reviews; learn how a credit business actually works from the inside.