Job Summary:
We are looking for an experienced Credit Risk Strategy professional with 3+ years of experience in designing and optimizing underwriting strategies using bureau and third‑party data. The ideal candidate will have hands-on experience in credit decisioning, portfolio performance analysis, and first-party fraud risk management
Key Responsibilities
:Underwriting Strategy & Credit Ris
- kDesign, implement, and optimize credit underwriting strategies across the customer lifecycle (originations, line management, renewals, etc.) using bureau and third‑party data
- .Develop and refine credit decision rules, cut-offs, and segmentation strategies to balance growth, risk, and profitability
- .Analyze performance of existing strategies (vintages, cohorts, segments) and recommend data-driven enhancements
- .Use SQL and Python to extract, transform, and analyze large datasets from multiple internal, bureau, and third‑party sources
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Required Qualification
- s:Bachelor's or Master's degree in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, or a related quantitative fiel
- d.3–6 years of hands-on experience in credit risk / underwriting strategy within banking, NBFC, fintech, or credit risk consultin
- g.Demonstrated experience in designing and implementing underwriting strategies using credit bureau data (e.g., CIBIL, Experian, Equifax, CRIF) and third‑party data sourc
- esStrong proficiency i
- n:SQL – advanced querying, joins, aggregations, performance tuning for large dataset
- s.Python – data manipulation (pandas), analysis, and basic modeling; ability to productionize or hand over code to engineering team
- s.Strong analytical and problem-solving skills with the ability to translate data insights into actionable strategie
- s.Excellent communication skills with the ability to present complex analyses and recommendations to non-technical stakeholder
s.
