Unsecured Credit

Job Title: Risk & Credit Analytics

Company: PwC India

Location: Gurgaon / Mumbai

Job Type: Full-time

Summary:

We are seeking highly motivated Junior Analysts with 48 years of experience in risk management and credit analytics to join our dynamic team. The ideal candidate will have a solid understanding of unsecured credit products, credit cards, and P&L dynamics, combined with strong analytical and business acumen. This role requires proficiency in SAS and SQL, with hands-on experience in regression and decision tree modeling. Candidates should be adept at generating insights, automating reports, and communicating effectively with US-based managers.

Responsibilities:

Perform portfolio analytics on unsecured credit products and credit cards, focusing on risk and P&L domains.

Generate insights from large datasets using SAS and SQL, and communicate findings to stakeholders.

Apply statistical techniques such as regression and decision trees to analyze portfolio performance and customer behavior.

Conduct risk analysis and monitor portfolio trends to identify early warning signals and business opportunities.

Develop and automate reporting processes to improve efficiency and accuracy.

Create dashboards and visualizations in Tableau to present insights and portfolio performance metrics.

Translate business problems into analytical solutions and provide actionable recommendations.

Work independently to solve problems, generate insights, and deliver high-quality outputs under tight timelines.

Collaborate with US managers and internal teams to ensure clear communication of insights and strategies.

Stay updated on industry trends, credit product dynamics, and best practices in risk analytics.

Requirements:

Bachelor’s degree in finance, economics, statistics, mathematics, business, or related field.

4–8 years of experience in risk management, credit analytics, or related domains.

Basic understanding of unsecured credit products, credit cards, and P&L mechanics.

Strong analytical skills with the ability to interpret complex data and provide business insights.

Proficiency in SAS and SQL (mandatory).

Experience with regression and decision tree modeling techniques.

Solid understanding of how credit products work in the real world.

Effective communication skills, especially for interaction with US-based managers.

Ability to work independently and collaboratively in a fast-paced environment.

Appetite and aptitude for coding and automation.

Preferred Qualifications:

Advanced Tableau skills for report generation and visualization.

Experience in risk analytics or P&L management within large-scale financial institutions.

Exposure to US credit card or unsecured lending markets.

Benefits:

Competitive salary

Health insurance

Paid time off and holidays

Professional development opportunities