Senior Underwriting Analyst, Zalopay

About the team

Zalopay's Underwriting team owns credit decisions end-to-end

for BNPL and cash loan products serving millions of users, in partnership with

leading banks and consumer finance companies — from a user's first visit

through submission, approval, disbursement, and repayment. We decide who gets

offered credit, monitor how the portfolio performs, and build the data that

proves whether we were right.

What you'll do

Monitor the portfolio:

build and maintain the

reports and dashboards that track the health of our lending book — approval

rates, funnel conversion, delinquency by cohort.

Investigate:

when a number moves and nobody

knows why, you're the detective — deep-dive the data, separate real risk

changes from mix shifts and data artifacts, and land on the root cause.

Own the data foundation:

keep our core data

assets — the end-to-end lending funnel and portfolio labels — correct,

reconcilable, and trusted; chase reliability issues in partner data and drive

the fixes.

Shape underwriting strategy:

turn your analysis

into recommendations for whitelist expansion and the refinement of our

underwriting rules.

Collaborate on models and policy:

analyze credit

model performance with our data scientists and review new lending policies,

pointing out flaws and opportunities before they go live.

Communicate:

translate your findings into clear,

actionable insights for the business, product, engineering, and data science

teams you work with daily.

Must-have

Technical Skills:

Strong SQL and working Python;

expected depth scales with level.

Analytical & Problem-Solving Mindset:

You

can break down ambiguous problems, form hypotheses, and use data to find the

root cause — validating the data before trusting it.

Proficient English Skills:

Above-average English

proficiency, equivalent to an IELTS score of 6.5 or higher.

Nice-to-have

Consumer lending / credit risk analytics: funnel and

approval analytics, DPD/MOB cohorts, vintage and roll-rate analysis. Credit model validation and backtesting. E-wallet, fintech, or payments background. Dashboarding (Tableau, Power BI, Looker) and pipeline

tooling (Airflow, ETL).