Consultant - Credit Risk Analytics - KPO

Credit Risk Strategy

Role Details: 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.

Responsibilities :

- Design, analyze, monitor credit risk strategies for different loan products such as personal loans, auto loans, etc.

- Identify the opportunity areas for portfolio growth and pro-actively communicate with stakeholders

- Collaborate across other risk functions (example - technology, product, etc.) to implement the analytical decisions

- Understand existing underwriting rules, strategies and replicate them in business rules using SAS/SQL

- Design and analyze income, employment, fraud verification strategies

- Develop, maintain and improve risk policies, strategies, processes and procedures within the assigned function

- Utilize application, bank and bureau information to derive business insights

- KPI generation, tracking of risk and delinquency metrics for portfolios using SQL/Tableau

- Revamp pricing strategy changes and launch A/B test to monitor impact and performance of the change

- Set up the process to run eligibility conditions for marketing campaigns such as cross - sell, etc.

Requirements :

- Knowledge of and certifications in programming, SAS/SQL/Python

- Knowledge of best practices in coding, data manipulation and creating re-usable artifacts

- Knowledge of Banking / Financial Services Industry with preference in lending space (Personal Loans, Credit Cards, Auto loans etc.)

- Ability to create recommendations and insights from data for developing risk strategy

- Experience with creating and utilizing credit risk datamarts using internal and third party data (Experian, FICO, etc.)

- Ability to design the right KPIs for measuring strategy success

- Understanding of various elements of risk strategy, such as eligibility, verification, fraud and decline criteria

- Ability to communicate and present the results to business stakeholders

- Good knowledge of designing, implementing, and measuring statistically valid experiments (mainly A/B tests)