11 Credit Analytics Jobs

You will be joining as a Senior Credit Analytics professional in the Data Science team at our company. Your primary responsibility will be to drive the ongoing advancement and refinement of the credit decisioning & pricing model at Biz2Credit. This involves optimizing risk and return while significantly reducing decision cycle times. A key requirement for this role is a strong proficiency in Python and prior experience in Credit analytics. You should hold a degree in BE/B. Tech / MCA/ M. Tech with a consistent academic record of 60% and above. Your work location will be in Noida with an expected experience range of 3-6 years. As part of your job role, you will continuously assess alternative data sources to enhance our customer conversion models. Additionally, you will leverage Biz2Credit's technology to proactively identify emerging risks and opportunities with our clients. In this position, you will lead the design and implementation of operational and risk reporting and analytics. You will collaborate with business and product teams to design a modeling framework based on specific requirements. Your responsibilities will also include building data pipelines, conducting code reviews, and providing technical guidance to junior data scientists. Furthermore, you will work on data projects involving Biz2Credit's financial services partners worldwide. This will entail analyzing, classifying, and visualizing credit-related data to generate actionable insights for both internal and external stakeholders. Managing multiple projects and priorities efficiently to deliver accurate and timely results in a fast-paced environment will be crucial. Lastly, you will develop documentation for external validation on the projects you work on. If you possess the required skills and experience and are keen on this opportunity, please share your resume with us at soni.kumari@biz2x.com.,

Objective We are seeking a highly driven data science and analytics professional with 6-9 years of experience in leading AI/ML, credit strategy, product automation, and analytics delivery across financial services. Demonstrated expertise in building end-to-end customer-level scoring frameworks, driving business transformation through data, onboarding alternative data providers and delivering high-visibility projects Roles & Responsibilities: Develop machine learning and rule-based credit scorecards for secured and unsecured loans. Strong command over PySpark, Python, and SQL for large-scale data processing, data engineering and analytics. Built segmentation, eligibility models, and monitoring dashboards. Possess deep expertise in bureau data interpretation. Applied bureau insights across credit policy design, risk assessment, cross-sell targeting, underwriting strategies and others Lead data-driven campaign analytics across products by integrating bureau, app journey, and other data sources. Develop cross-sell and upsell strategies through precise segmentation and automation. Build lead scoring and prioritization logic to improve targeting and conversion. Built automated collections dashboards by integrating LMS and collections systems to track key KPIs. Partner with the data engineering team to streamline access to high-volume datasets from Big Data. Drive scalable solutions using PySpark, pandas, and cloud tools for data wrangling and ML training Built scalable data pipelines to aggregate internal and external data sources. Design automated daily MIS reporting pipelines across various product journeys. Collaborate with product, risk, and tech teams to launch AI-driven initiatives Knowledge & Skills: Experience: 3-5 years in lending, credit analytics, and financial data science. Languages & Tools: Python, PySpark, SQL, Looker Studio, Power BI. Data Expertise: Deep understanding of credit bureau data, banking data, customer segmentation, and data platform architecture. Process Knowledge: Familiarity with credit policy design, loan lifecycle MIS, and external vendor integrations. Innovation: Exposure to GenAI tools and use cases in financial services is a plus. Communication: Strong skills in storytelling, requirement gathering, and documentation. Dashboarding: Experience with dashboard creation in Power BI / Looker Studio (basic to intermediate proficiency). Role & responsibilities

The Credit Portfolio Analyst II position at our organization involves conducting credit reviews, credit approval, and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. Your primary objective will be to manage Citi's portfolio exposure to clients and counterparties globally. Responsibilities: - Conduct risk assessments and client credit analyses, review financial results and peer analyses, and prepare financial projections. - Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models, and conduct sensitivity analyses. - Escalate credit concerns/updates to senior risk and business managers, propose risk mitigation actions, and stay continuously informed of related developments/news for the portfolio and industry covered. - Assist with portfolio review preparation and conducting stress tests. - Build working relationships with various teams across the bank, including deal, coverage, and product teams. - Appropriately assess risk when making business decisions, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets. Qualifications: - 2+ years of experience in credit risk analysis or corporate banking. - Experience in financial analysis, accounting, and valuation. - Knowledge of accounting, corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution. - Consistently demonstrate clear and concise written and verbal communication. - Proven ability to work with little direction and in a team. - Demonstrated accountability, self-motivation, and business acumen. Education: - Bachelor's degree/University degree or equivalent experience. The Regulatory Risk Analyst II role involves portfolio monitoring and identifying credit trends by organizing and analyzing large amounts of data and providing in-depth and sophisticated analysis to influence key business decisions within the Risk Management team. Responsibilities: - Contribute to the development of new techniques and improvement of processes by applying in-depth disciplinary knowledge within Risk Management. - Utilize Statistical Analysis System (SAS) in a UNIX environment for risk, financial, and data analyses. - Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects. - Participate in developing and ensuring regulatory compliance and assist in the implementation of policies and processes. - Manage risk levels for the entire credit spectrum and prepare risk management presentations for senior management. Qualifications: - 2+ years of relevant experience. - Knowledge of consumer/commercial cards risk analytics. - Ability to apply credit and risk principles toward business goals. - Demonstrated ability to synthesize, prioritize, and drive results with a sense of urgency. - Experience in using analytical packages like SAS, Essbase, MS Office (Excel, PowerPoint), Tableau. - Ability to provide innovative solutions to core business practices and develop partnerships across multiple business areas. Education: - Bachelor's/University degree with specialization in a quantitative discipline: Statistics, Mathematics, Economics, Econometrics, Management, Engineering preferred. Citi is an equal opportunity and affirmative action employer, providing career opportunities to all qualified interested applicants. If you are a person with a disability and require a reasonable accommodation, review Accessibility at Citi for assistance.,

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis Support the marketing and product team with their data needs QualificationsFluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasetsExperience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

Job DescriptionYou will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis Support the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targets Propose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis Support the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targets Propose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis Support the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies.ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysisConduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsCollaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs QualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasetsExperience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities: Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targets Propose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production. Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis Support the marketing and product team with their data needs. Qualifications - Fluency in SQL and R/Python. Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills. 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry. Enthusiasm for working across cultures, functions and time zones.

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis Support the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones

We are looking for a person to join the Advanced Data Analytics team with AFE Single Security.Advanced Data Analytics is a team of Quantitative Data and Product Specialists, focused on delivering Single Security Data Content, Governance and Product Solutions and Research Platform.The teamleveragesdata, cloud, and emerging technologies in buildinganinnovativedata platform, with the focus on business and research use cases in theSingleSecurity space.The team uses variousstatistical/mathematicalmethodologies to derive insights and generate content to help develop predictive models, clustering, and classification solutions and enable Governance.The team works on Mortgage, Structured & Credit Products. We are looking for a person to help build andexpandData & Analytics Content in the Credit space.The person willbe responsible forbuilding,enhancing,andmaintainingthe Credit Content Suite.The person willwork on the below- Credit DerivedData Content Model & DataGovernance Credit Model & Analytics Experience Experience on Scala Knowledge of ETL, data curation and analytical jobs using distributed computing framework with Spark Knowledge and Experience of working with large enterprisedatabaseslike Snowflake, Cassandra& Cloud manged services likeDataproc, Databricks Knowledge of financial instruments like Corporate Bonds, Derivatives etc. Knowledge of regression methodologies Aptitude for design and building tools forDataGovernance Pythonknowledge is a plus Qualifications Bachelors/masters in computer sciencewitha majorin Math,Econ,or related field 7+ years of relevant experience