Credit Analyst - Retail Trends & Insights

- Policy Analytics of Retail Asset & Credit Cards portfolio - Analyse data and identify key trends and insights for retail assets & credit cards and provide strategic inputs to the senior management of the bank

- Carry out data-driven analysis across different verticals of Risk, Collection, etc for retail asset & credit cards products and study impact of risk segments on PnL of the bank

- To monitor and influence Bank level and product level strategies for new product/policy development, changes to the policy construct to cater to new customer segments , changing demographics.

- Regular updates to senior management of the bank for key industry and bureau insights

- Interact with all the policy managers to carry out portfolio analysis across all retail asset products using R, SAS, Python

- Monitor early trigger - Non-starters, EMR, High ticket delinquent cases, life tables.

- Developing scorecard and bureau strategy - Interacting with credit bureaus and developing bureau strategy across retail asset products

- Interact with scorecard building team and validation team to understand and formulate policy using scorecards.

- Tableau Development - Creating and publishing of interactive reports and dashboards report scheduling using Tableau server to review through the door trend for Probability of Default and loss rate.