Credit Risk Analyst

Role: Credit Risk Analytics

Location: Gurgaon/Bangalore

Exp: 3-10 Years

A successful candidate would work as an EXL consultant with a leading US Financial Services

Organization on an unsecured lending portfolio. The job will require the consultant to work on:

• Support tactical & strategic risk analytics initiatives for US based banks’ Risk team

• Develop risk policy for Point of Sale (POS) lending, Buy-now-pay-later (BNPL), and Credit Card solutions

• Policy analytics to make sure correct customer segments are targeted and acquired

• Recommend changes to business strategy and risk management policies

• Build reporting/BI frameworks for Risk teams within the organization

• Evaluate effectiveness of current policies & strategies, manage the monthly dashboards and ad-hoc analysis, analyze tests & performance related to funnel performance, portfolio verification performance and post issuance loan performance

• Clearly communicate analysis as presentations to technical & non-technical groups

• Develop and maintain effective working relationships with colleagues in other areas of Risk Management.

• Summarize analytical findings into presentations and share analysis & reports with senior leadership.

• Maintain a high degree of technical and policy understanding with respect to credit risk.

• Manage assigned projects in a timely manner, ensuring accuracy and that deliverables are met.

• Train, coach and develop team members

Qualifications:

• Risk Analytics experience: Portfolio analytics, Acquisition and Line Management, Policy audit and analytics, Reporting/Dash-boarding, Performance tracking (should have a knowledge of risk concepts like delinquencies, pre-payments, loss curves etc.)

• Past experience in problem solving roles, strategic initiatives etc.

• Knowledge in Banking Domain

• Hands on work experience in SQL/Python

• Hands on work experience in SAS/SAS macros would be a plus

• Educational Background: B.Tech /B.E from premier/reputed organizations (IIT/NIT preferred)