Credit Risk Modeling

Hiring credit risk modelers for global consulting firm.

Location - Pan India

Key Responsibilities:

To design, implement, and continuously refine data-driven collections strategies using analytics to improve recoveries and reduce delinquencies. The role involves developing actionable insights from customer behaviour, segmented models, and managing strategy performance.

• Strategy Development and Optimization:

• Develop risk-based, segmented collections strategies for delinquency cycles based on credit risk, payment history, etc.
• Identify high-risk accounts and define treatment paths based on roll rates, risk and customer affordability
• Leverage holiday season and salary cycle patterns to time collection outreach for maximum effectiveness
• Monitor roll rates, PTP adherence, Payment channels to identify trends and improvement opportunities

• Predictive Modeling and Advanced Analytics

• Build statistical and machine learning models to forecast delinquency, predict like hood of payment and optimize resource allocation.
• Leverage advanced analytics (like sentiment analysis and response tone modeling) to optimize customer communication strategies.

• Monitoring and Campaign Management

• Monitor key customer performance / payment / recovery metrics, and effectiveness of campaign strategies.
• Build automated dashboards for collections portfolio monitoring and preparation of monthly campaign base.

Required skills and qualifications:

• Technical Skills: Proficiency in SAS, SQL, Python for data extraction, analysis and modeling. Strong understanding of retail banking products, delinquency cycles, and collection processes.

• Qualifications and Experience:

  Bachelor’s / Master’s degree in statistics, Economics, Mathematics, Data Science or related field. Experience in credit risk, collections or portfolio management. Prior exposure to strategy design, predictive modeling, and performance tracking for collections portfolios.