IndusInd Bank - Risk Analytics Lead

Description:

Overview:

The Risk Analytics Lead will be responsible for driving portfolio monitoring, datadriven underwriting strategies, and portfolio management analytics across the lending lifecycle. This role requires deep expertise in risk metrics, bureau data, and advanced analytics, along with strong programming capabilities to analyze largescale datasets. The incumbent will play a critical role in strengthening credit quality, optimizing growth, and proactively managing portfolio risk.

Key Responsibilities:

Portfolio Monitoring & Risk Oversight

- Own endto-end portfolio monitoring across products, vintages, cohorts, and customer segments.

- Track, analyze, and interpret key risk and performance metrics including delinquency, roll rates, vintage curves, loss rates, LGD, EAD, and early warning indicators.

- Identify emerging risk trends and proactively flag deterioration in portfolio health.

- Design and maintain dashboards and monitoring frameworks for senior management and risk committees.

DataDriven Underwriting & Portfolio Strategies

- Develop and refine datadriven underwriting strategies to balance risk and growth.

- Support score thresholds and rulebased decision frameworks.

- Perform scenario analysis and impact assessments for policy or strategy changes.

Programming & Advanced Analytics

- Use strong programming skills (Python / SQL / R) to run complex analysis on largevolume datasets.

- Work closely with data engineering and technology teams to productionize analytics where required.

Stakeholder Collaboration

- Partner with Risk, Business, and Product teams to translate analytics into actionable decisions.

- Present insights and recommendations clearly to senior stakeholders and leadership forums.