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Analytics Role - Credit Risk Strategy (2-8 yrs)
The role is expected to use analytical tools to identify opportunities to grow overall assets as well as manage risk. It involves managing risk management framework across customer lifecycle - acquisition, portfolio management and collections, across retail lending products.
- Relevant keywords/business areas- Credit Risk Strategy development, Policy Analytics, Acquisition strategy, Approve/Decline, Credit Limit/Line Assignment, Credit Line increase/decrease, Portfolio Management, Approval criteria, Portfolio management, Portfolio Analytics, Pricing, Personal Loans/Cards/Mortgages/Auto, Top-Up Strategy, Balance Transfer, Loan on cards
- Tools - SAS, SQL, Tableau, Python (good to have)
Responsibilities:
- Analyze portfolio performance to identify risk factors at early stage
- Analyze the performances and derive data driven insights for creating risk strategies in acquisition and portfolio management
- Develop analytical tools ranging from customer segmentation to scorecard development
- Monitor the performance of different acquisition vintages as well as the roll rate of different past due/default buckets to define portfolio performance trend
- Support development of instrumentation across underwriting, portfolio management and collections
- Analysis of opportunity and risk of new product offering
- Perform other related duties as required and assigned
Qualifications:
- 3+ years of experience in risk analytics
- Strong data analysis experience within the financial services industry
- Excellent SQL : extensive experience querying large, complex data sets
- High proficiency with Excel including pivoting capabilities and analysis modules
- Working knowledge of basic statistics; experience with SAS/Python/R or similar a plus
- Proven track record at delivering timely and accurate information in a fast-paced environment
- Excellent critical thinking, problem solving, mathematical skills and sound judgment
- Strong business acumen and ability to interface with executive management
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