Job Description

Tiger Analytics is a global leader in AI and analytics, helping Fortune 1000 companies solve their toughest challenges. We offer full-stack AI and analytics services & solutions to empower businesses to achieve real outcomes and value at scale. We are on a mission to push the boundaries of what AI and analytics can do to help enterprises navigate uncertainty and move forward decisively. Our purpose is to provide certainty to shape a better tomorrow.

Our team of 4000+ technologists and consultants are based in the US, Canada, the UK, India, Singapore, and Australia, working closely with clients across CPG, Retail, Insurance, BFS, Manufacturing, Life Sciences, and Healthcare. Many of our team leaders rank in the Top 10 and 40 Under 40 lists, exemplifying our dedication to innovation and excellence.

We are a Great Place to Work-Certified™ (2022-24), recognized by analyst firms such as Forrester, Gartner, HFS, Everest, ISG and others. We have been ranked among the Best and Fastest Growing analytics firms lists by Inc., Financial Times, Economic Times and Analytics India Magazine.

About the role:

Tiger Analytics is looking for Credit Risk Senior Analyst a highly analytical and results-driven professional to join our Banking and Financial Services practice supporting credit risk analytics for the Credit Card business.

The role will focus on developing, monitoring, and optimizing credit risk strategies across the customer lifecycle (origination, underwriting, and portfolio management) to drive portfolio growth, risk optimization, and profitability.

This position requires strong domain expertise in lending/credit risk, advanced analytical capabilities, and hands-on technical proficiency.

Location:Hyderabad, Chennai, Bangalore, Gurgaon

Responsibilities

Key Responsibilities:

1. Develop, enhance, and monitor credit risk strategies to optimize risk-reward tradeoffs

2. Experience in Developing Credit risk scorecards, regulatory models such as CECL/CCAR

3. Monitor origination and portfolio performance, identify deviations from expectations, and recommend strategic adjustments

4. Analyse customer lifecycle behaviour to drive underwriting and portfolio strategy enhancements

5. Present insights and recommendations to senior stakeholders

Domain Expectations

Strong expertise in Credit Risk Analytics/Modelling within Lending / Credit Card portfolios
Experience in credit strategy development, underwriting strategy, and portfolio monitoring
Understanding of risk metrics such as approval rates, delinquency, loss rates, vintage analysis, profitability metrics
Understanding the nuisances of scorecard modelling or regulatory models.

Analytical Expectations

Strong quantitative and problem-solving skills
Experience analysing portfolio analytics and modelling credit risk.
Ability to translate complex analytical findings into actionable business recommendations
Strategic thinking with focus on balancing growth and risk

Behavioral Competencies

Strong ownership mindset and accountability
High intellectual curiosity and analytical rigor
Excellent communication and stakeholder management skills
Ability to influence cross-functional teams and senior leadership

Job Requirement

Technical Skills (Must Have)

Strong hands-on experience in SAS
Advanced SQL skills for data extraction and manipulation
Experience working with large structured datasets
Experience with data visualization tools (e.g., Tableau)

Qualifications

Bachelor's degree in Statistics, Mathematics, Economics, Engineering, Finance, or related quantitative field
Advanced degree preferred
4+ years of experience in quantitative analytics with strong exposure to credit/lending domain

Credit Risk Modelling - TD Bank