Role Overview Looking for an Analytics professional with 5+ years of work experience in banking / NBFC / Fintech sector in Credit Risk domain (Acquisition and Account Management areas) for personal loans / 0 interest EMI products / credit cards etc.
Responsibilities:
- Lead personal loans strategy across acquisition, underwriting, loan limit assignment, pricing, installment programs, and collections.
- Manage portfolio performance and drive sustainable, risk-adjusted growth.
- Develop and refine credit policies, risk appetite, decision frameworks, and portfolio guardrails.
- Monitor portfolio health, including delinquency, utilization, profitability, customer behavior, and vintage performance.
- Use internal, bureau, and alternative data to identify opportunities and improve results.
- Handle large amounts of data to derive business insights and create innovative solutions/models/strategies.
- Clear articulation and structuring of business findings to the leadership and key partners.
- Handling team of analysts and guide them in their tasks.
- Handle critical projects and contribute to acquisition policy formulation and risk management
Skillset:
- Minimum 5+ years experience into Banking Analytics (Risk domain) across any of the functions – acquisition / account management / collection / fraud with a leading bank / Fintech / NBFC
- Experience in building credit risk models/strategies.
- Experience with alternate data usage (especially in Underwriting)
- Strong knowledge and working experience in SQL are a must.
- Knowledge of Python and ML is a big plus.
- Strong communication and interpersonal skills
- Ability to drive project deliverables to achieve business results.
- Ability to work effectively in a team environment.
- Notice period: 30-90 days. Early joiners preferred.
Education:
- Bachelors or master's in quantitative field such as Economics, Statistics, Mathematics
- BTech/MTech/MBA from Tier 1 colleges (IIT, NIT, IIM)
Preferred companies:
- Citibank, JPMC, AMEX, Standard Chartered, Bank of America, Axis bank, ICICI Bank, Kotak Mahindra Bank, HDFC bank, Accenture, EY, top banking analytics consulting firms.
Opportunity to work with a fast-paced digital bank.
