Data Analyst at Petco utilizing advanced analytical techniques to optimize customer behavior insights. Collaborating with teams to influence decisions, enhance retention, and improve performance.
About the role
- Senior Analytics Manager applying customer behaviour analytics to inform fintech credit decisions. Building models that unlock financial opportunities for underbanked populations in Africa.
Responsibilities
- Build credit scoring models using alternative data - mobile money patterns, transactional behaviour, payment consistency signals
- Develop risk segmentation and customer profiling frameworks
- Monitor portfolio performance and identify early warning signals
- Translate customer behaviour patterns into credit risk indicators
- Design A/B tests to evaluate credit policy changes (loan amounts, terms, pricing, approval thresholds)
- Analyse experiment results to optimise approval rates, default rates, and profitability
- Run cohort analyses and measure incrementality of interventions
- Present findings to executives and credit committees
- Develop strategic recommendations based on data analysis
- Collaborate cross-functionally with Product, Risk, Operations, Finance
- Build business cases for credit policy changes
- Build automated dashboards and reporting
- Develop data pipelines for credit decisioning
- Ensure model performance monitoring and validation
Requirements
- Bachelor's degree in Statistics, Actuarial Science, Economics, Mathematics, Econometrics, or another quantitative field
- 4+ years of experience analysing customer/user behaviour patterns using data
- Built predictive models for business decisions (churn, retention, conversion, segmentation)
- Understanding of customer lifecycle, behavioural triggers, and pattern recognition
- Built classification/regression models that influenced business decisions
- Experience with model evaluation, feature engineering, and deployment
- Not just academic knowledge - actual production models that drove outcomes
- Python OR R for data analysis and modeling (pandas, scikit-learn, statsmodels, tidyverse, caret)
- SQL for data extraction and analysis (joins, CTEs, window functions)
- Experience building models, not just running queries
- Designed or analysed A/B tests, randomised experiments, or causal inference studies
- Understanding of statistical rigour, test design, and measuring impact
- Business Intelligence tools: Power BI, Tableau, Looker
- Africa/Emerging markets experience: Understanding of thin-file lending, financial inclusion, or emerging market dynamics
- Credit/Fintech exposure: Any experience with lending, credit, fintech, mobile money, or payments (bonus but not required)
- Executive communication: Experience presenting to senior leadership or translating analytics into strategic recommendations.
Benefits
- Professional development programs and coaching partnerships
- Family-friendly policies and flexible working arrangements
- Well-being support and career growth opportunities
- Hybrid working in Ghana with diverse teams across UK, Europe, and Africa
Job title
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