BA – Segment Management - Lending lifecycle

Role Summary

The 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 Responsibilities

• Segment Strategy & Design
• Design 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 Ownership
• Perform deep-dive analyses on segment-level performance, including:
• Approval rate, conversion rate, booking volume
• Utilization, repayment behavior, delinquency, roll-rates
• Loss rate, margin, contribution profit, LTV
• Own 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 & Diagnosis
• Act as a first-line analytical problem solver for segment-related business issues, such as:
• Sudden drop in approval or conversion within a segment
• Unexpected deterioration in repayment or delinquency
• Misalignment between growth and risk performance
• Conduct root-cause analysis using structured frameworks and data triangulation.
• Translate analytical findings into clear, actionable recommendations for stakeholders.
• Cross-Functional Collaboration
• Work closely with:
• Product teams to design segment-specific journeys, pricing, and offers
• Risk teams on score thresholds, policy tuning, and early-warning indicators
• Marketing / Growth teams on targeting, campaign optimization, and personalization
• Operations & Customer Support on segment-specific issues, complaints, and exceptions
• Finance on profitability, reconciliation, and forecasting
• Serve as a bridge between business stakeholders and data/engineering teams, ensuring analytical requirements are correctly translated into data solutions.
• Experimentation & Optimization
• Support 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 Reporting
• Prepare 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 & Experience

Education

• Bachelor’s degree in Business, Finance, Economics, Statistics, Data Science, Engineering, or related fields.
• Master’s degree (MBA, Analytics, Finance) is a strong plus.
  
  

Experience

• 5–8+ years of experience in:
• Business analytics, BI, segment management, or strategy roles
• Lending, credit, banking, or fintech environments
• Proven 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 Skills

• Strong 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 KPIs
• Segment-level profitability and unit economics
• Experience working with large, complex datasets across multiple systems.
  

Core Competencies

• Exceptional 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 modeling
• Experimentation platforms and A/B testing frameworks
• Data governance or metric standardization initiatives
• Familiarity with modern data stacks (cloud data warehouses, event-based data).
• Experience supporting regional or multi-market lending portfolios.