Senior Data Analyst - Partnership Lending Business

At Trusting Social, our mission is to deliver affordable financial access for all — using AI and data, with empathy, to give ordinary people in emerging markets fair access to credit. We build AI-powered co-lending partnerships with banks, helping people escape high-interest debt and reach credit they were previously shut out of.

Those products are only as good as the analytics behind them — which is where you come in. Join us if you have the talent and the desire to advance financial access for all by turning data into better decisions.

How we work with AI

We are an AI-first company, and we are remaking every team as a human–AI fusion. For analytics, that means AI-enabled by default: you will use AI to work faster and dig deeper. But you own the truth — your real edge is the judgment to validate AI output, catch hallucinations, verify the numbers, and ground every recommendation in the actual data. This role is built for someone who leads the AI, not someone the AI replaces.

How you'll make an impact

We’re looking for a Senior Data Analyst who operates as a true business partner — someone who turns data into strategy, helps teams make better product and growth decisions, and builds an analytics practice that is AI-enabled by default.

The scope is the full customer lifecycle rather than a single stage of it: acquisition, activation, engagement, servicing and profitability, across co-branded credit cards and cash loans built with our partner banks. One team holds the whole picture — what a customer costs to acquire, what they spend and repay, what they cost us in risk and in service, and what they are worth over their life with us — so an analysis here carries through to a decision instead of stopping at a report.

What you'll do

• Own product analytics end-to-end — from metric definition through analysis, insight and recommendation, to proving what the change actually did: you decide upfront how you will know it worked, and you come back with the answer, including when the answer is that it didn’t. Build dashboards that explain drivers and isolate segments, not ones that only track headline numbers.
• Be a strategic partner to the business — work with Sales & Acquisition, Product, Marketing, Risk, Customer Service, business leaders and partner banks across acquisition, activation, engagement, retention and profitability; turn ambiguous questions into structured problems, hypotheses and decision frameworks; define what success means and how to measure it.
• Find and quantify growth — use segmentation, cohort and funnel analysis to size opportunities and recommend concrete levers (product changes, targeting, pricing and offer strategy, limit and credit policy, lifecycle messaging) with expected impact.
• Extend the lens to servicing — bring customer service into the analytical picture: cost to serve by segment, resolution and complaint patterns, and the points where a servicing failure turns into attrition.
• Build the data foundation for Unified Memory, our single customer view — own the analytics layer of the largest data project in the business unit: the customer entity, and the attributes, states and metrics that describe a lifecycle, each with one definition that holds in production; this is the layer our RM agent reasons on, so what you define sets the ceiling on what the agent can do.
• Help build the CMS, the core system that runs the card lifecycle — design the data model together with engineering, set what the system must capture for analytics, and build the flow from the core into the warehouse; what gets decided here determines whether a number can be reconstructed years later or is lost at launch.
• Partner with Data Engineering and Data Science — keep pipelines, event tracking and data definitions robust, consistent and scalable; improve experimentation infrastructure so insights ship faster and with higher confidence.
• Design and evaluate experiments — run A/B and other tests on offers, pricing, targeting and lifecycle messaging, designed for a setting where the verdict arrives late: risk cost surfaces months after the decision, and a weak variant costs real money rather than traffic; turn what holds up into repeatable playbooks.
• Protect quality proactively — detect performance shifts, data-quality issues, funnel breaks and cohort degradation early, find the root cause, and drive structured follow-ups to resolve them.

What we're looking for

• 4+ years in analytics, with a track record you can walk through end to end: the question, the analysis, the decision it changed, and how you knew it worked.
• Impact you can evidence on revenue, profit or risk cost — not a list of dashboards shipped.
• Strong SQL, and hands-on experience with analysis tools (Excel, Python, or R).
• Experience with a data-visualization tool (Power BI, Looker / Google Data Studio, Tableau, Metabase, or similar).
• Solid data modelling, segmentation, and experimentation skills; strong attention to detail and accuracy.
• Hands-on use of AI/GenAI tools (Claude, ChatGPT, Gemini) in real analytics work — to accelerate analysis, draft SQL or code, synthesize insights, or automate repetitive tasks. [Non-negotiable]
• Strong judgment to validate AI output — catching errors and hallucinations, verifying numbers, and grounding recommendations in the actual data.
• Knowledge of credit or lending products is a plus.
• Fluent Vietnamese and working English.

AI Fusion expectations (mandatory)
This is an AI Fusion Level 2 (Builder) role. We expect you to:

• Use AI/GenAI tools daily to accelerate analysis, generate diagnostic hypotheses, and explain root causes from large, complex datasets.
• Build reusable AI-assisted workflows for data cleaning, documentation, reporting and quality checks — not one-off prompts.
• Use AI to brainstorm growth ideas and experiment variants grounded in real behavioral patterns, and to synthesize market and competitor signals.
• Validate every AI output against the source data before it informs a decision.

What We Offer

Join our vibrant team and enjoy:

• Opportunity to work and learn from one of the best and brightest technology teams in Vietnam
• Be part of a winning team with exponential growth regionally, experience recruiting world-class talents
• Competitive compensation package, including 13th-month salary and performance bonuses
• Comprehensive health care coverage for you and your dependents
• Generous leave policies, including annual leave, sick leave, and flexible work hours
• Convenient central district 1 office location, next to a future metro station
• Onsite lunch with multiple options, including vegetarian
• Grab for work allowance and fully equipped workstations
• Fun and engaging team-building activities, sponsored sports clubs, and happy hour every Thursday
• Unlimited free coffee, tea, snacks, and fruit to keep you energized
• An opportunity to make a social impact by helping to democratize credit access in emerging markets

At Trusting Social, we live by ownership, integrity, and agility in execution. We believe in doing what's right, what's best, and what's innovative. If you're smart, driven, and want to make a difference in the world with the most advanced and fascinating technology, come join our team. We offer the runway to truly make an impact.

Learn more about us: https://trustingsocial.com | https://www.youtube.com/watch?v=inAEDGvOcL8&t=29s