Deputy Manager - Risk Analytics

About the Role

We are looking for a highly skilled Data Scientist Risk Analytics to join our team. The ideal candidate will have hands-on experience in developing credit scorecards, risk models, machine learning solutions, and data-driven strategies that strengthen underwriting and portfolio management. If you are passionate about solving complex business problems through analytics and want to contribute to designing the next generation of risk frameworks, this role is for you.

Key Responsibilities

Develop, validate, and implement credit scorecards and risk models (Application/Behavior/Collection)

Build predictive models using statistical and ML techniques (Logistic Regression, GBM, XGBoost, Random Forest, etc.)

Maintain model documentation and support periodic model monitoring and recalibration

Perform portfolio analytics including trend analysis, segmentation, and early warning indicators

Support credit policy and underwriting strategy through data-driven insights

Conduct vintage analysis, roll rate analysis, loss forecasting, ECL modeling, and stress testing

Build automated dashboards and data pipelines for model monitoring, scorecard performance, and business KPIs

Work closely with technology/data teams to ensure model deployment and data quality

Prepare model documents, validations, and regulatory submissions (NHB/RBI guidelines if relevant)

Ensure compliance with internal model governance and audit standards

Required Skills & Qualifications

Bachelors/Masters in Statistics, Mathematics, Data Science, Economics, Engineering, or related field

37 years experience in Risk Analytics, preferably in BFSI/FinTech/NBFC

Strong knowledge of Credit scorecard development, Statistical modeling & machine learning algorithms, ECL / IFRS9 frameworks (preferred), Model validation & monitoring techniques

Tools & Technologies:

Python/R, SQL, Excel, SAS (optional)

BI tools (Power BI/Tableau) preferred

Strong analytical, communication, and stakeholder management skills

Good to Have

Experience in Retail Lending products (PL, LAP, HL, Cards, MSME Loans)

Knowledge of bureau data (CIBIL/Experian/CRIF/Equifax)

Exposure to MLOps/Model deployment, cloud platforms (AWS/GCP/Azure)

Experience working in fast-paced, digital-first lending environments