Assistant Manager/Manager/Senior Manager - Risk Infrastructure - IIT/NIT/IIM/XLRI

Job Responsibilities :

- Design, build and implement best in class credit decision infrastructure for digital banking products for top global financial firm.

- Identify multitudes of data sources and build processing capability to retain highest degree of information value for credit modelling and strategy development.

- Build capability to process hundreds of attributes to run optimization algorithms with complex constraints to determine underwriting decision, loan amount and pricing.

- Collaborate with marketing, analytics, decision science, operation and technology to build a seamless credit decision framework over customer lifecycle that covers targeting, underwriting and servicing of loans.

- Build and optimize existing customer management strategies to improve customer level profitability.

- Analyze and evaluate potential vendors/data providers for incremental value in credit management strategies in a continuous improvement environment.

- Keep up to date with applicable regulations and compliance requirements with possible interactions with internal and external regulators.

Basic Qualifications :

- Master's degree in Mathematics, Statistics, Economics, Engineering or related field.

- 3+ years of experience working for a financial services company in risk management, technology or other quantitative function

- Prior experience as a team member or technical lead in any execution process

- Building, improving, or analyzing risk management in a digital consumer or small business lending context

- Utilizing SAS, R, Python (or similar) for advanced statistical analysis for strategy development.

- Deep understanding of available technology, products and pain points of credit decision execution.

- Managing several projects simultaneously and driving end-to-end project delivery

- Hands-on experience with C++, Java, Python or an equivalent programming language, and thorough knowledge of object oriented software engineering concepts.

- Strong knowledge of data structures, algorithms and design patterns

- Exceptional written and oral communication skills with a proven ability to articulate complex ideas, express and defend a point of view, and influence outcomes

- Experience with Fico Blaze Advisor, Experian PowerCurve, GDSlink, Provenir, DROOLS

Preferred Qualifications :

- Hands on experience on micro-service design and implementation, such as dedicated decision engines and/or orchestration layers.

- Expert knowledge of U.S. credit bureau data and Risk Scorecards building infrastructure.