Risk Anlaytics Manager

Vistas Technolabs

3 - 8 years

25 - 40 Lacs

bengaluru

Posted:3 weeks ago| Platform:

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Skills Required

credit risk machine learning risk analytics credit risk modelling scorecard

Work Mode

Work from Office

Job Type

Full Time

Job Description

Responsibilities

Design, develop, and validate risk models (scorecards, look-alike models, behavioural risk models) to optimize credit decisioning.
Conduct portfolio analytics to monitor delinquency trends, vintage analysis, and risk-return trade-offs.
Leverage statistical and machine learning techniques to improve customer underwriting, fraud detection, and collection strategies.
Work closely with credit, product, and technology teams to implement and refine data-driven risk policies.
Identify early warning signals and recommend changes in credit approval criteria.
Perform A/B testing and back-testing of models to ensure robustness and accuracy.
Partner with credit bureaus, data providers, and internal teams to source and integrate new data variables.
Create dashboards, MIS, and insights for leadership to enable risk-based decision-making.
Accustomed to dealing with ambiguity in a fast-paced environment.
Proven ability to collaborate successfully across cross functions.

Requirements

3+ years of experience in risk analytics within an NBFC, fintech.
Strong exposure to AI/ML, credit risk modelling, portfolio analytics, and policy formulation.
Hands-on experience with look-alike models, scorecards, and data modelling techniques.
Proficiency in SQL, Python/R, and statistical modelling techniques.
Understanding of credit bureau data (CIBIL, Experian, Equifax, CRIF) and alternate data usage.
Strong analytical, problem-solving, and communication skills.
Educational background in Statistics, Mathematics, Economics, Engineering, or related fields (Tier-1/Tier-2 institute preferred).

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