Job Title: Specialist - Data Science and Credit Risk (Credit Cards)
Location: Colombo, Sri Lanka
Experience: 810 Years
Duration: 18 months
Indicative salary range: INR 20-25 LPA, negotiable for the right candidate
Role Overview
This is a contractual role. You will be tasked to design data-driven credit programs and digital lending journeys, focusing on portfolio profitability and risk mitigation for credit card products for banks in Sri Lanka. This is a business-critical role.
Core Responsibilities
- Credit Program Design: Develop end-to-end credit processes for New-to-Bank (NTB) and Existing-to-Bank (ETB) segments.
- Pre-Approved Offering: Design pre-qualification frameworks for converting savings and debit card customers to credit card products.
- Portfolio Analytics: Analyze loss provisioning and performance data to identify profitable segments and optimize credit line assignments.
- Policy Communication: Translate complex risk models into actionable credit policies for bank stakeholders.
Required Skills & Qualifications
- Education: Master's degree in Statistics or Economics from a reputable institution.
- Domain Expertise: Deep knowledge of credit card underwriting, including salaried and self-employed segments.
- Technical Knowledge:
- Familiarity with building Application/Behavior scores, PD, LGD, and Loss Forecasting models.
- Expertise in leveraging Bureau data, alternative data, and behavioral signals.
- Digital Innovation: Understanding of credit risk integration within seamless digital customer journeys.
- Financial Acumen: Strong grasp of loss provisioning and the key drivers of portfolio profitability.
