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Tier-1 bank, metro location, and mid-level generalist risk analytics profile increase candidate competition.
Strong credit risk, regulatory, and decisioning-system expertise makes experience less transferable across industries.
Explicit 4+ years, mandatory credit risk domain expertise, SAS/SQL skills and regulated banking requirements enforce strict filters.
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Lead and participate in credit risk analytics initiatives focused on unsecured lending products, delivering insights, validating business rules, and ensuring zero defect leakage in assigned tasks.
Manage end-to-end testing (Functional, UAT, Regression) and production deployments, including monitoring, validation, and issue resolution for risk strategies and models.
Develop automation solutions and collaborate with cross-functional teams (US and India) to optimize risk analytics processes and compliance with regulatory policies.
4+ years of experience in credit risk analytics domain, primarily with Personal Loan or unsecured lending products.
Bachelor's degree in Engineering, Technology, Mathematics, Econometrics, Computer Science, or related fields.
Proficiency in SAS, SQL, and experience with decision systems such as Zoot, FICO DMP, or Experian PowerCurve.
Experience with data warehouses/databases (Teradata, Oracle, SQL Server, DB2) and understanding of testing methodologies and system architecture.
Experienced in managing complex credit risk strategies and model validation in unsecured lending lifecycle stages: acquisition, portfolio, collections.
Skilled in automation tools and scripting (VB Script, Selenium, UFT, UNIX Shell scripting) to improve process efficiency in risk analytics.
Collaborates effectively across global teams and navigates compliance/regulatory frameworks with hands-on experience in Agile development environments.