SAVii

• In this role, you will have the unique opportunity to witness the growth of SAVii and your professional career as the team embarks on this new journey across all aspects of the Portfolio growth and credit risk framework, from data integrity to system reporting and risk/capital methodologies. • Ensures that credit risk management policies and procedures for SAVii are properly and promptly implemented. • Drive the design, testing, and implementation of credit strategies to achieve business goals • Drive consumer-oriented policies for current and new products (BTC) • Design risk client acquisition policies to help manage overall risk in our Salary Lending portfolio (BTB) • Test and maintain pricing policies to ensure appropriate profitability of the loan book • Monitors portfolio and ensures that it is performing within set KPIs • Performs and owns tasks (credit strategy and portfolio growth, credit underwriting/operations process, etc.) • Collaborates closely with the Data & Analytics team in developing cutting-edge Credit Algorithms/Models and reports. • Lead or collaborate on special projects in support of other teams related to risk and profitability • Lead research initiatives to investigate the credit portfolio’s risk composition ahead of industry risk migrations, name-specific credit migrations, or potential unknown events • Build and maintain a portfolio management framework. • Guide the juniors on the above. • You closely monitor the portfolio. • You do analyses, deep dives, etc., on the portfolio, be it relevant to optimization (opportunities) or investigation of noted changes in portfolio behavior (risks), using data segmentation techniques such as Python, SQL, Google Sheets, etc. • You work on developing and improvising the core credit framework. You assist in developing and implementing data collection, data analytics, and other strategies to analyze statistical efficiency and guide decision-making. • You work with data scientists and other functions to dive deep into core credit issues and prioritize business and information needs. • You establish measurements to analyze credit model performance, uncover insights, and discern targeted improvement areas. • You monitor credit performance metrics to identify issues, new and innovative credit processes, feature improvements, and business growth opportunities. • You can articulate and effectively conceptualize analysis for various stakeholders. • You design and implement reports and performance measurement dashboards • You write and update credit risk policies.

• The Operations Business Analyst plays a critical role in driving data-backed decision-making and operational improvements across the organization. • The analyst is expected to own data logic end-to-end—from problem framing to insight delivery—while ensuring outputs are practical, accurate, and aligned with business realities. • Partner with functional teams to identify operational gaps, inefficiencies, and performance issues. • Document current-state processes and define future-state improvements, including dependencies, risks, and operational constraints. • Analyze operational, financial, and customer data to identify trends, drivers, and improvement opportunities. • Develop and maintain dashboards and recurring reports in collaboration with stakeholders and COO. • Act as a bridge between business stakeholders and technical teams, ensuring shared understanding and realistic expectations. • Identify opportunities for process improvement, automation, or standardization based on data insights.

• Lead assigned operational improvement initiatives (process, policy, systems, automation, controls) from initiation to closure within agreed scope • Define project scope, goals, success metrics, timelines, RAID, and governance cadence in partnership with stakeholders • Build and maintain project plans (milestones, owners, deadlines) and drive accountability through regular follow-ups • Manage project trade-offs across scope, timeline, and quality—escalating risks early with recommended options • Help identify root causes of operational pain points and quantify impact using existing data sources (time, cost, error rate, SLA/TAT) • Facilitate process mapping (as-is/to-be), document SOPs/checklists/controls, and support implementation with process owners • Support UAT planning/execution: test cases, defect logging, follow-ups, and sign-offs • Track agreed KPIs/SLAs and consolidate reporting (in partnership with Analytics when needed) to validate impact • Conduct post-mortems, document learnings, and recommend follow-up enhancements based on data and feedback