Risk Analyst

EXL

8 years

0 Lacs

india

Posted:4 hours ago| Platform:

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Skills Required

risk strategy support portfolio strategies sql data visualization underwriting monitoring design management reports power tableau extract analyze model analytics compliance segmentation audit leadership extraction communication lending deployment statistics finance mathematics

Work Mode

On-site

Job Type

Full Time

Job Description

Role Overview:

Credit Risk Strategy Analyst

Key Responsibilities:

Design, implement, and optimize
credit risk strategies
across the customer lifecycle, including acquisition, underwriting, account management, and collections.
Conduct detailed
risk analysis
to identify trends, portfolio health indicators, and early warning signals.
Develop dashboards and performance reports using
visualization tools
(Power BI, Tableau, etc.) to support strategic decision-making.
Use
SQL and Python
to extract, manipulate, analyze, and model large datasets from multiple banking and risk systems.
Partner with product, policy, analytics, and compliance teams to refine decision rules and strengthen risk governance.
Support the creation of risk scorecards and segmentation frameworks for improved credit decisioning.
Evaluate performance of existing strategies and recommend enhancements based on data-driven insights.
Ensure compliance with internal risk policies, regulatory expectations, and audit requirements.
Document analytical outputs, methodologies, and recommendations for leadership review.

Required Skills & Experience:

4–8 years of experience in
Credit Risk Strategy
, Banking Risk, or Risk Analytics.
Strong proficiency in
SQL
for data extraction and transformation.
Hands-on experience with
Python
for analytics, modeling, and automation.
Proficiency in
data visualization tools
(Power BI, Tableau, or equivalent).
Solid understanding of
credit lifecycle
, risk KPIs, and banking risk concepts.
Experience working with financial, credit bureau, and behavioral datasets.
Strong analytical thinking, problem-solving skills, and stakeholder communication abilities.

Preferred Qualifications:

Experience in
retail lending, digital lending, credit cards, BNPL, or personal loans
.
Knowledge of
risk decision engines
, strategy deployment, or rules configuration.
Familiarity with regulatory frameworks (RBI guidelines, Basel norms, credit risk governance).
Background in
statistics, finance, economics, mathematics, or data science
.

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