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Tier-1 brand, mid-level role, metro hiring, and broad technical requirements increase applicant competition.
Role requires domain-specific credit risk and decisioning experience, limiting cross-industry transferability.
Explicit 4+ years, mandatory credit-risk domain skills and core SAS/SQL requirements drive strict filtering.
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Lead and participate in credit risk analytics initiatives focused on unsecured lending products, primarily personal loans, including strategy validation and testing (Functional, UAT, Regression).
Manage end-to-end process production, data reconciliation, and model documentation aligned with policy governance and regulatory compliance.
Collaborate cross-functionally with US and India teams to optimize processes, provide analytics-driven efficiencies, and lead or mentor project teams for Risk Analytics deliverables.
4+ years of experience in credit risk analytics, specifically in unsecured lending.
Bachelor's degree in Engineering, Technology, Mathematics, Econometrics, Computer Science, or related field.
Strong hands-on skills in SAS and SQL for data analysis, validation, and testing.
Experience with decision systems (Zoot, FICO DMP, Experian PowerCurve) and familiarity with data warehouses/databases like Teradata, Oracle, SQL Server, DB2.
Experienced in full lifecycle credit risk strategy implementation and testing across acquisition, portfolio, and collections stages for unsecured lending.
Proficient in automation solutions and Agile methodologies to improve efficiency and manage risk analytics deliverables.
Capable of cross-geography collaboration with US and India teams and leading less experienced staff, demonstrating technical guidance and stakeholder communication.