BA – Segment Management - Lending lifecycle

The Business Analyst – Segment Management will design, analyse and optimise customer segments across the end-to-end lending lifecycle to drive growth, profitability and balanced risk. This role is based in Abu Dhabi, UAE and partners closely with Product, Risk, Marketing, Operations and Finance teams.

Responsibilities

• Design and maintain customer segmentation frameworks across the lending lifecycle (acquisition, risk, value, behavioral)
• Define segment objectives, eligibility rules and success metrics aligned to business goals
• Perform deep-dive analyses on segment performance: approval rate, conversion, utilization, repayment, delinquency, roll-rates, loss and LTV
• Own and enhance segment-level dashboards and reporting (Tableau, Power BI, Looker etc.)
• Build self-serve analytical datasets and consistent metric definitions
• Ensure data accuracy, reconciliation and alignment with Finance, Risk and Data teams
• Act as first-line analytical problem solver and conduct root-cause analysis for segment issues
• Translate insights into clear, actionable recommendations and operational changes
• Work cross-functionally with Product, Risk, Marketing, Operations and Finance to implement segment strategies
• Support segment-level experimentation (A/B tests), define hypotheses and measure outcomes
• Prepare concise, insight-driven presentations for senior management on segment performance and trade-offs

Requirements

• Bachelor's degree
• 5+ years
• Lending experience
• SQL
• BI tools
• Advanced Excel
• Credit knowledge
• Portfolio KPIs
• Structured problem-solving
• Stakeholder mgmt

Preferred Qualifications

• Experience with credit scoring or behavioral modelling
• Prior work in retail lending (personal loans, BNPL, cards, instalments)
• Familiarity with experimentation platforms and A/B frameworks
• Experience with cloud data warehouses and modern data stacks
• Exposure to multi-market or regional lending portfolios
• Experience in data governance or metric standardization

Benefits

• Competitive salary and performance incentives
• Health insurance
• Annual leave
• Annual flight allowance
• End-of-service gratuity
• UAE work visa sponsorship (where applicable)

About the Company

Astra Tech is a UAE-based technology and financial services group operating across digital lending products and fintech platforms. The Quantix Product team in Abu Dhabi focuses on data-driven product delivery, risk management and growth. The team values cross-functional collaboration, rigorous analytics and fast iteration to deliver customer-centric lending experiences across the region.