Kadel Labs - Analyst - Credit Risk Analytics

Role Purpose:

Perform portfolio credit risk analytics across the account lifecycle - acquisitions, account management, and collections - for the US card portfolio.

Key Responsibilities:

- Analyze portfolio performance: approval rates, line assignment, utilization, delinquency, roll rates, and charge-offs.

- Support development, monitoring, and validation of credit risk scorecards and underwriting criteria.

- Conduct segmentation, champion/challenger, and policy impact analyses.

- Apply ML/AI techniques to enhance risk models and analytical insights.

Role-Specific Skills:

- Strong Python (scikit-learn, statistical modeling) and SQL.

- Understanding of US credit bureau attributes (FICO, Vantage, tradeline data) and card underwriting.

- Experience with credit risk modeling techniques (logistic regression, gradient boosting) preferred.

Requirements:

- US Credit Card Experience: Hands-on experience supporting US credit card portfolios (issuing side) - e.g., US bank, card issuer, fintech, or captive/GCC supporting a US card business.

- Python / SQL: Strong proficiency in Python and/or SQL for data extraction, analysis, and automation.

- AI / AI Agent Experience (3+ years): More than 3 years of experience working with AI - building or working with AI agents, LLM-based solutions, machine learning models, or AI-driven analytics in a professional setting.

- Excel: Advanced Excel skills, including pivot tables, complex formulas, and building management-ready reports and dashboards.

- Communication: Strong written and verbal English communication; ability to work with US-based stakeholders and overlap with US business hours as needed.