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Tier-1 bank, metro location, mid-level role increases applicant competition.
Highly domain-specific credit risk skills limit cross-industry transferability.
Requires 4+ years, credit-risk domain expertise, and mandatory SAS/decisioning tool experience.
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Lead or support credit risk analytics initiatives focused on unsecured lending products, primarily personal loans.
Validate business rules and strategies through various testing methods including functional, user acceptance, and regression testing using SAS/SQL.
Manage production processes, data reconciliation, model documentation, and collaborate with cross-functional teams to deliver compliant risk analytics solutions.
Minimum 4+ years of experience in risk analytics domain, specifically credit risk analytics for unsecured lending.
Bachelor's degree in Engineering, Technology, Mathematics, Econometrics, Computer Science, or related field.
Hands-on experience with SAS and SQL required; experience with decision systems such as Zoot, FICO DMP, Experian PowerCurve preferred.
Work Experience Required: 4+ years in credit risk analytics; Notice period: Not explicitly mentioned in the JD.
Experienced in end-to-end testing and validation of risk strategies within unsecured lending across acquisition, portfolio, and collections lifecycle.
Comfortable working with US and India teams and managing UAT, production deployments, and automation of analytics processes.
Strong understanding of credit risk strategies, scorecards, decisioning frameworks, and regulatory compliance for unsecured lending products.