Lending Lifecycle Segment Strategist

Role SummaryTheRole SummaryThe Business Analyst – Segment Management is responsible for designing, analyzing, and continuously optimizing customer segments across the lending lifecycle. This role sits at the intersection of business strategy, advanced analytics, and execution, acting as a strategic partner to Product, Risk, Marketing, Operations, and Finance teams.The role requires a hybrid BI + BA profile: deep hands-on data analytics capability combined with strong business logic, financial acumen, and structured problem-solving skills. The individual will translate complex data into actionable segment strategies that drive portfolio growth, profitability, risk balance, and customer experience.Key ResponsibilitiesSegment Strategy & DesignDesign and maintain customer segmentation frameworks across the end-to-end lending lifecycle, including:Acquisition segments (new-to-credit, new-to-platform, repeat borrowers)Risk segments (score bands, behavior-based cohorts, early-warning segments)Value segments (LTV-based, profitability-based, pricing sensitivity)Behavioral segments (repayment behavior, utilization patterns, engagement)Define clear segment objectives, eligibility rules, and success metrics aligned with business strategy.Continuously refine segment definitions based on performance data and evolving portfolio dynamics.Advanced Analytics & BI OwnershipPerform deep-dive analyses on segment-level performance, including:Approval rate, conversion rate, booking volumeUtilization, repayment behavior, delinquency, roll-ratesLoss rate, margin, contribution profit, LTVOwn and enhance segment-level dashboards and reporting (e.g., Tableau, Power BI, Looker, Grafana).Build self-serve analytical datasets and metric definitions to ensure consistency across teams.Ensure data accuracy, reconciliation, and alignment with Finance, Risk, and Data teams.Business Problem Solving & DiagnosisAct as a first-line analytical problem solver for segment-related business issues, such as:Sudden drop in approval or conversion within a segmentUnexpected deterioration in repayment or delinquencyMisalignment between growth and risk performanceConduct root-cause analysis using structured frameworks and data triangulation.Translate analytical findings into clear, actionable recommendations for stakeholders.Cross-Functional CollaborationWork closely with:Product teams to design segment-specific journeys, pricing, and offersRisk teams on score thresholds, policy tuning, and early-warning indicatorsMarketing / Growth teams on targeting, campaign optimization, and personalizationOperations & Customer Support on segment-specific issues, complaints, and exceptionsFinance on profitability, reconciliation, and forecastingServe as a bridge between business stakeholders and data/engineering teams, ensuring analytical requirements are correctly translated into data solutions.Experimentation & OptimizationSupport segment-level experimentation (A/B testing, policy experiments, offer testing).Define hypotheses, success metrics, and measurement frameworks.Analyze experiment outcomes and provide data-driven recommendations for rollout or iteration.Executive & Management ReportingPrepare clear, concise, and insight-driven presentations for senior management.Convert complex data into structured narratives highlighting risks, opportunities, and trade-offs.Support strategic discussions around portfolio mix, growth targets, and risk appetite at a segment level.Required Qualifications & ExperienceEducationBachelor’s degree in Business, Finance, Economics, Statistics, Data Science, Engineering, or related fields.Master’s degree (MBA, Analytics, Finance) is a strong plus.Experience5–8+ years of experience in:Business analytics, BI, segment management, or strategy rolesLending, credit, banking, or fintech environmentsProven experience working in large financial institutions or scaled fintech platforms.Direct exposure to retail lending products (personal loans, BNPL, credit cards, installment loans).Technical & Analytical SkillsStrong hands-on capability in:SQL (advanced querying, joins, window functions)BI tools (Tableau, Power BI, Looker, etc.)Excel / Google Sheets (advanced modeling, scenario analysis)Solid understanding of:Credit metrics and portfolio KPIsSegment-level profitability and unit economicsExperience working with large, complex datasets across multiple systems.Core CompetenciesExceptional logical thinking and structured problem-solving ability.Strong business judgment with the ability to balance growth, risk, and profitability.Ability to operate with ambiguity and convert unclear business questions into structured analytical approaches.Strong stakeholder management and communication skills.High attention to detail with a strong sense of ownership and accountability.Preferred (Nice To Have)Experience with:Credit scoring, risk segmentation, or behavioral modelingExperimentation platforms and A/B testing frameworksData governance or metric standardizatio