Senior Valuations Analyst

• Own the end-to-end valuation modelling for our Credit Card and FlexiPay products, translating complex financial data into clear, actionable insight that drives strategic decisions.
• Build and maintain forward-looking models - including lifetime value, unit economics, and loss forecasting - that underpin product pricing, provisioning, and portfolio strategy.
• Partner closely with Credit Risk, Finance, and Product teams to ensure our valuations reflect the latest performance data and macroeconomic assumptions.
• Play a key role in month-end and quarter-end close processes, owning commentary and variance analysis for senior stakeholders and the Board.

Requirements

• Strong experience in financial modelling or valuations within SME lending or consumer credit, ideally across revolving credit or instalment products.
• Excellent attention to detail and a proactive approach to identifying deviations of actuals from assumptions and updating models to reflect observed trends and variances.
• Confident working with large datasets to build and stress-test assumptions - SQL or Python required, plus strong Excel skills.
• A clear communicator who can distil complex analysis into concise, well-structured narratives for non-technical audiences.
• Comfortable operating with autonomy in a fast-paced environment, managing competing priorities without losing attention to detail.
• Comfortable experimenting with AI tools (e.g. Claude, Copilot) to accelerate analysis, automate repetitive modelling tasks, and improve output quality.
• Experience with VBA, Excel-based financial models, or BI tools (e.g. Tableau, Looker) for reporting and scenario analysis.
• Experience supporting audit, model validation, or internal review processes.
• Knowledge of ECL / impairment modelling under IFRS 9.

Core Competencies

Demonstrates expertise in financial modelling and valuations, particularly within SME lending and consumer credit, with a strong focus on data analysis, model validation, and effective communication of complex insights to stakeholders.