AVP - Credit Forecasting & Analytics - BFSI

AVP - Credit Forecasting and Analytics

- Credit Forecasting Analytics

- Develop short term loss forecasting across loss types for company's portfolio of loans across multiple retailer segments and products

- Develop detailed delinquency and loss reporting for multiple segments across all loss types (contractual aged, bankruptcy, deceased, debt cancelation etc.)

- Assist in producing credit inputs to complex modeling processes

- Collaborate with Collections and Portfolio teams to incorporate performance dynamics, as well as other business changes within the overall forecast

- Assist the Loss forecast process owner, with tasks related to process governance

- Visualize insights, performance, and trends in inputs/outputs for effective communication and decisioning Fraud Forecasting Analytics

- Develop long term fraud loss forecasting across types for company's portfolio of loans across multiple retailer segments and products

- Utilize long term forecasting model outputs, along with performance dynamics and fraud mitigation strategies Team Management

- Managed a direct team, with a focus on prioritizing deliverables / timelines, upskilling talent to latest techniques and technologies

- Collaborate with US teams - Credit Forecasting, Reserves, and Fraud Forecasting

- Perform special projects as assigned

Qualifications / Requirements:

- Bachelor's degree with quantitative underpinning (i.e., Risk, Accounting, Business, Economics, Finance, Mathematics, Statistics, Engineering) and 5+ years of experience in Risk, Credit, Finance, Accounting, Consumer Lending, or other relevant professional experience Or In lieu of a bachelor's degree we need 7+ years of experience in Risk, Credit, Finance, Accounting, Consumer Lending, or other relevant professional experience.

- 3+ years of experience in performing performance analysis on large and diverse consumer credit portfolios, including experience with data visualization tools to create and communicate intuitive visualizations and presentations of in-depth analysis to audiences of varying subject-matter knowledge, experience, and seniority

- Proven hands-on experience utilizing SAS or SQL.

- Advanced EXCEL skills with demonstrable familiarity with data processing/report building/analysis techniques

- Strong PowerPoint skills, including ability to create understandable presentations that incorporate graphs or other visual aides to portray complex subjects

Shift Timings : 2 PM IST to 11 PM IST

Desired Qualifications :

- Good to have experience with open-source tools such as Python, PySpark, R to extract, process and analyze data

- Good overall understanding of consumer credit lending that stretches across revenue and loss line items, with a focus on revolving products (Credit Cards preferred)

- Excellent time management with ability to manage multiple competing initiatives and deliver results within deadlines with accuracy and attention to detail

- Experience with processes that have significant financial impacts and stretch across multiple teams or functions

- Strong written and verbal communication skills, to independently present explanations of complex subjects

- Managing a team of business analysts / data practitioners

- Positive mindset under tight timelines / critical deliverable