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Tier-1 brand, metro locations, and a mid-level generalist analytics role increase applicant competition.
Requires unsecured lending decisioning and regulatory knowledge, so background fit is highly industry-specific.
Explicit 4+ years requirement plus mandatory credit risk analytics and SAS/SQL skills raises shortlisting strictness.
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Lead or participate in credit risk analytics initiatives, focusing on delivering insights and decision strategies in unsecured lending.
End-to-end responsibility for testing, validation, and deployment of credit risk strategies across acquisition, portfolio, and collections lifecycle using decision systems and SAS/SQL frameworks.
Drive process improvements through automation and collaborate with cross-functional teams to ensure compliance and meet risk analytics deliverables.
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.
Hands-on experience with SAS and SQL for data analysis, validation, and testing.
Experience with decision systems such as Zoot, FICO DMP, or Experian PowerCurve.
Experienced in managing end-to-end analytics and validation workflows within unsecured lending credit risk environment, including testing and production deployments.
Skilled in automation tools and scripting (VB Script, Selenium/UFT, UNIX shell scripting) to enhance process efficiency.
Able to collaborate effectively with US and India teams, providing technical guidance and leading moderately complex projects with regulatory compliance awareness.