Lead Credit Risk Analyst

Role Overview: You will be leading the credit risk analytics team at Biz2X, responsible for building credit risk models, driving underwriting and credit decisions, and ensuring optimization across risk, pricing, and business growth. Your role will involve shaping lending products and processes to ensure they are built on a solid foundation of prudent risk management. Key Responsibilities: - Leverage or build advanced credit risk models including functional rule-based, heuristics, and machine learning models to lead critical credit decisions. - Provide effective credit oversight to colleagues leading the credit teams, fostering team collaboration. - Develop, implement, and monitor risk strategies across credit underwriting, limit assessment, pricing, and collections. - Assist in drafting a detailed risk policy for the business loan business and monitor adherence to the policy. - Work extensively with Credit Bureau, bank statements, and financial data to identify and evaluate alternate data features for credit expansion opportunities. - Coach and mentor younger team members to create a world-class credit team proficient in functional credit analysis and machine learning models. - Drive robust monitoring and alerting systems for early warning signals of delinquencies in the portfolio, conducting root cause analysis and presenting findings to stakeholders. - Manage underwriting operations, perform risk assessment for various policies, and grow the core business by developing opportunities in the portfolio in collaboration with specialists. - Ensure all risk models and pricing strategies comply with relevant regulations and industry standards, staying updated on regulatory changes and adjusting strategies accordingly. Qualifications Required: - Risk professional with 8+ years of experience in retail-individual and retail business underwriting, fraud, risk, or collection. - Strong hands-on experience in building machine learning-based underwriting statistical models. - Deep domain knowledge in credit underwriting and credit analysis. - Proven experience in underwriting risk management in the fin-tech or financial services industry, with a focus on credit risk. - Strong knowledge of fin-tech products, unsecured lending products, services, technologies, and regulatory landscape. - Experience in Product and Credit Policy formulation, Collections and Recovery, Fraud, and Operational Risks. - Exceptional analytical and problem-solving skills with the ability to assess complex situations and make sound decisions. - Strong leadership capabilities to build and lead a high-performing risk management team. - Excellent analytical and data science capabilities.,