Credit Risk Analyst

Credit Risk Strategy:

We are looking for someone with hands-on experience in risk analytics with technical skills of SQL & tableau. He/she should have worked on designing and analyzing risk management framework across customer lifecycle – acquisition, portfolio management.

The role is expected to use analytical tools to identify opportunities to grow overall assets as well as manage risk. It involves managing risk management framework across customer lifecycle – acquisition, portfolio management and collections, across retail lending products.

Responsibilities:

Minimum 5+years of working experience as Credit Risk Strategy Analyst.

Design, analyze, monitor credit risk strategies for different loan products such as personal loans, auto loans, etc. Identify the opportunity areas for portfolio growth and pro-actively communicate with stakeholders.

Collaborate across other risk functions (example – technology, product, etc.) to implement the analytical decisions.

Understand existing underwriting rules, strategies and replicate them in business rules using SAS/SQL.

Design and analyze income, employment, fraud verification strategies.

Develop, maintain and improve risk policies, strategies, processes and procedures within the assigned function.

Utilize applications, bank and bureau information to derive business insights.

KPI generation, tracking risk and delinquency metrics for portfolios using SQL/Tableau.

Revamp pricing strategy changes and launch A/B test to monitor impact and performance of the change.

Set up the process to run eligibility conditions for marketing campaigns such as cross – sell, etc.

Requirements:

Knowledge of and certifications in programming, SQL/Python.

Knowledge of best practices in coding, data manipulation and creating re-usable artifacts. Knowledge of Banking / Financial Services Industry with preference in lending space (Personal Loans, Credit Cards, Auto loans etc.).

Ability to create recommendations and insights from data for developing risk strategy.

Experience with creating and utilizing credit risk datamarts using internal and third-party data (Experian, FICO, etc.).

Ability to design the right KPIs for measuring strategy success.

Understanding of various elements of risk strategy, such as eligibility, verification, fraud and decline criteria.

Ability to communicate and present the results to business stakeholders.

Good knowledge of designing, implementing, and measuring statistically valid experiments (mainly A/B tests.