Senior Data Analyst - Loan Product & Customer

About Us Established in 2018, Bybit is one of the world’s leading cryptocurrency exchanges and digital financial platforms, serving over 80 million users across more than 200 countries and regions. Powered by world-class technology and a user-first mindset, Bybit delivers a seamless ecosystem across trading, payments, wealth management, custody, institutional services, and Web3 — connecting users to the future of digital finance. Our core values define how we build. We listen, care and improve to create products and experiences that put users first. Backed by a global team of ambitious builders, problem-solvers, and innovators, we foster a high-performance and fast-moving environment where talent is empowered to drive real impact at the global scale. Supported by 24/7 multilingual customer service and a strong commitment to innovation, we are shaping the future of finance through technology, collaboration, and bold execution. Today, Bybit is recognized as one of the most trusted and transparent platforms in the digital asset industry, continuing to expand its global presence while building the infrastructure for the next generation of financial services. Key Responsibilities: Analyze loan user behavior across the full lifecycle — from application, approval/rejection, disbursement, repayment patterns, to delinquency signals and churn Build and maintain dashboards and automated reports to track Loan product performance, portfolio health, and key customer indicators (e.g., approval rate, utilization rate, repayment rate, NPL) Conduct deep-dive analyses on Loan product performance, including draw-down trends, repayment flows, rollover/extension behavior, interest yield, and user retention Identify high-value and high-risk user segments, model credit behavior and LTV , and provide data-driven recommendations to support loan product design, credit strategy, and risk appetite optimization Monitor data quality and integrity across loan and customer systems, identifying and resolving metric discrepancies and anomalies Support business, product, and risk teams with ad-hoc data requests, A/B test analysis, and impact assessments for new loan products, features, and campaigns Develop and maintain data models and ETL pipelines for Loan and customer-related datasets Collaborate with cross-functional stakeholders — including product, risk, finance, and compliance — to define metrics, align on data definitions, and standardize reporting Provide actionable recommendations based on data findings to support user acquisition, loan utilization growth, and portfolio monetization strategies Required Qualifications: Fluent in English and Mandarin (written and spoken) 5+ years of experience in data analysis, business intelligence , or a related analytical role Background in lending products, consumer finance, credit risk, or fintech required Strong proficiency in SQL and at least one analytical programming language (Python or R) Experience with BI /visualization tools ( Tableau , Looker, Power BI, or similar) Solid understanding of user lifecycle analysis — acquisition, activation, retention, delinquency, and LTV modeling Strong analytical thinking with the ability to translate complex data into clear, actionable insights High attention to detail and commitment to data accuracy Ability to work independently in a remote environment Comfortable working across different timezones Preferred Qualifications: Familiarity with crypto lending products — collateralized loans, margin lending, flexible/fixed credit lines, or DeFi lending mechanisms Experience with credit scoring, risk modeling, or collections analysis Experience with statistical analysis, forecasting, or machine learning techniques applied to credit/loan scenarios Prior experience at a crypto exchange, digital asset platform, or neobank with lending capabilities Why Join Us At Bybit, we are committed to fostering a supportive and enriching work environment. Our benefits include: - Study Growth Fund: We support your professional development and continuous learning. - Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation. - Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world. - Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company. - Internal Mobility: Grow with us- Your long-term development is important to us. We offer internal job opportunities to help build your career path.