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Tier-1 brand, metro Bangalore location, and mid-level (3+ years) amplify applicant competition.
Specialized credit-risk analytics, banking products, and regulatory context limit cross-industry transferability.
Explicit 3+ years, mandatory credit risk domain expertise, and SAS/SQL technical requirements make shortlisting strict.
Manage credit portfolio exposure globally by conducting credit reviews, approvals, and monitoring for credit migration in coordination with Risk Management.
Develop, execute, and manage credit risk strategies and risk management frameworks, applying statistical techniques to optimize growth and minimize losses for U.S. Consumer Cards portfolio.
Analyze and approve counter-party credit limits, advise on transaction structures, negotiate credit terms, and present risk analytics and strategy updates to senior stakeholders.
3+ years of relevant experience in financial analysis, accounting, and valuation, with expertise in credit risk management.
Bachelor's degree or equivalent experience.
Proficient in advanced SAS programming, SQL, Knowledge Studio, SAS E-miner across mainframe, UNIX, and PC platforms; strong skills in Excel and PowerPoint.
Experience developing, implementing, and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management, and collections.
Experienced in independently managing and executing credit risk strategies and analytics projects with limited supervision.
Strong analytical skills with capability to develop and communicate clear risk analyses to technical and non-technical audiences, including senior management.
Comfortable working in a matrix environment balancing business and functional priorities with demonstrated influencing and facilitation skills.