Senior Data Analyst

About the role

Bybit is seeking a Senior Data Analyst to manage the performance and risk metrics of our loan products. You will interpret user behavior across the entire lending lifecycle to support strategic decision-making and product optimization. In this capacity, you will own the definition and execution of analytics that bridge the gap between raw transactional data and actionable business insights. The role requires a high level of ownership over the integrity, accuracy, and usability of lending data from initial application to final repayment or churn. You will act as a key storyteller, translating complex financial and behavioral metrics into clear narratives for leadership and operational teams. This position is critical for ensuring that our credit offerings are data-driven, efficient, and aligned with both risk tolerance and user needs. You will be expected to challenge existing assumptions, identify hidden patterns, and drive evidence-based improvements across the lending funnel. The successful candidate will partner closely with stakeholders to ensure that analytics initiatives directly support the strategic goals of the organization in a fast-paced, regulated environment.

Key facts

What you'll do

• Trace user behavior from the moment of application through disbursement, active usage, repayment patterns, delinquency, and eventual churn.
• Architect and curate dashboards that provide real-time visibility into portfolio health, approval rates, utilization ratios, and non-performing loan indicators.
• Conduct deep-dive research into draw-down trends, interest yield performance, and long-term retention patterns to uncover optimization opportunities.
• Classify and identify risk profiles and high-value customer segments to directly inform credit strategy, policy adjustments, and product design.
• Champion data integrity by proactively resolving anomalies, discrepancies, and inconsistencies in datasets to ensure reporting accuracy.
• Enable cross-functional teams by providing support for A/B testing methodologies, addressing ad-hoc analytical requests, and documenting impact assessments.
• Develop, maintain, and optimize ETL pipelines and data models specifically tailored for complex loan-related datasets and metrics.
• Partner with product, risk, finance, and compliance departments to standardize definitions, metrics, and reporting frameworks enterprise-wide.
• Translate business requirements into analytical specifications, ensuring that deliverables are actionable, scalable, and aligned with lending objectives.
• Monitor data quality and pipeline performance to minimize downtime and ensure that stakeholders have access to reliable information for decision-making.
• Leverage statistical techniques to analyze user lifecycle stages, focusing on conversion, activation, retention, and repayment behaviors.
• Provide insights that balance risk and growth, helping to refine underwriting criteria while maintaining a strong portfolio performance.
• Act as a subject matter expert in lending analytics, serving as the go-to resource for questions regarding loan performance and user engagement.
• Document methodologies, logic, and findings to create a knowledge base that supports scalability and continuity within the analytics function.

Requirements

• Bring a minimum of 5 years of professional experience in business intelligence, data analysis, or a closely related field within a financial or lending context.
• Demonstrate professional fluency in both English and Mandarin, ensuring clear communication with diverse stakeholders and team members.
• Show a proven background working in consumer finance, credit risk management, or within the fintech lending industry specifically.
• Exhibit advanced proficiency in SQL for data extraction, transformation, and complex querying across large datasets.
• Demonstrate proficiency in at least one analytical programming language, such as Python or R, for statistical analysis and data manipulation.
• Have hands-on experience with data visualization platforms such as Tableau, Looker, or Power BI to create intuitive and insightful dashboards.
• Possess a solid understanding of user lifecycle modeling techniques, including methodologies for calculating and analyzing Lifetime Value (LTV) and delinquency rates.
• Exhibit the ability to work autonomously and effectively across multiple time zones, managing priorities with minimal direct supervision.
• Hold a strong commitment to maintaining data accuracy and governance, understanding the critical role it plays in regulatory compliance and business trust.
• Show an aptitude for learning complex financial products and translating them into clear analytical frameworks and reporting structures.

Nice to have

• Bring experience working specifically with crypto lending products, including margin lending, collateralized loans, or decentralized finance (DeFi) lending structures.
• Have a background in developing or supporting credit scoring models, risk assessment frameworks, or collections management processes.
• Show knowledge of machine learning applications, statistical forecasting techniques, or specialized credit modeling methodologies.
• Have previous tenure at a neobank or digital asset exchange, indicating familiarity with fast-moving digital financial environments.

Practical notes

This is a full-time position based in Abu Dhabi, UAE. The role requires the ability to work during overlapping business hours to collaborate effectively with global teams. There may be occasional travel requirements as dictated by business needs, and candidates must be eligible for relevant work visa sponsorship. Candidates should be prepared for a rigorous interview process designed to assess both technical acumen and cultural fit within a regulated financial services environment.