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Tier-1 bank, Bangalore metro location, mid-level credit role attracts many qualified applicants.
Credit strategy and consumer lending skills are highly domain-specific and not easily transferable across industries.
Mandatory 6+ years of consumer credit and banking risk experience imposes stringent screening filters.
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Assist with credit analysis and monitoring portfolio performance to identify risk trends and shifts in key metrics.
Support development and maintenance of underwriting guidelines, policy documentation, and risk frameworks aligned with business priorities.
Prepare data-driven reports and insights, collaborate with Risk, Underwriting, and Finance teams to operationalize credit strategy, and participate in special projects related to credit strategy and risk governance.
Bachelor’s degree in finance, economics, business, data analytics, or related discipline.
Minimum 6+ years of experience in consumer credit, credit risk, portfolio analytics, underwriting, or related roles at financial institutions or credit analytics organizations.
Strong analytical skills with proficiency in Excel and quantitative tools.
Basic understanding of consumer credit products, credit risk concepts, and portfolio performance drivers.
Experienced credit risk or portfolio analytics professional with a solid background in consumer credit and underwriting frameworks.
Data-oriented and skilled at interpreting trends to support credit risk mitigation and strategy development.
Collaborative operator accustomed to working alongside risk, finance, and underwriting teams to improve credit decisioning processes.