Credit Risk Analytics

Job Title : Senior Manager- Credit Risk Analytics (Consumer Loan Products)

Location : Gurgaon

Experience Level : 4–6 Years

Key Responsibilities

1. Risk Portfolio Analytics

• Conduct comprehensive portfolio analysis to assess credit quality, concentration risk, and performance trends across consumer loan products
• Develop KPIs and dashboards to monitor portfolio health, delinquency rates, loss rates, and other critical risk metrics
• Analyze emerging risk patterns, identify outliers, and prepare actionable insights for stakeholder communication
• Generate variance analysis reports and conduct root cause analysis on portfolio performance deviations

2. Credit Risk Analytics

• Design, develop, and deploy predictive models for credit risk assessment, delinquency forecasting, and default probability estimation
• Build and maintain credit risk scorecards, behavioral models, and segmentation frameworks using industry-standard methodologies
• Perform statistical analysis to identify key risk drivers, develop early warning systems, and enhance model performance metrics
• Conduct regular model validation, back testing, and performance monitoring to ensure accuracy and regulatory compliance

4. Data-Driven Decision Making

• Leverage advanced analytics and machine learning techniques to enhance credit decisioning processes
• Build and maintain data pipelines for risk metrics calculation and monitoring
• Perform cohort analysis, customer journey analytics, and lifetime value modeling
• Translate complex analytical findings into clear business recommendations for product and risk teams

5. Cross-Functional Collaboration

• Partner with analytics, product, technology, and collections teams to optimize loan offerings and risk management strategies
• Support product launches through credit risk assessments and go-to-market risk evaluations
• Collaborate with collections and recovery teams to develop recovery strategies and understand post-disbursement performance

6. Regulatory Compliance & Reporting

• Ensure all models and analyses comply with regulatory guidelines (RBI, consumer protection norms)
• Prepare regulatory reports on portfolio quality, risk metrics, and compliance status
• Maintain documentation for model governance, audit trails, and regulatory examinations

Minimum Qualifications & Requirements

1. Education

• Bachelor's or Master's degree in Finance, Statistics, Mathematics, Economics, or Applied Finance
• Certification in risk management (FRM, CFA, or equivalent) is a plus

2. Experience

• 4–6 years of credit risk management experience, preferably in NBFC, fintech, or digital lending organizations
• Proven expertise in credit risk analytics and risk policy creation for consumer loan products
• Demonstrated experience in building and validating predictive models and risk scorecards

3. Technical & Analytical Skills

• Advanced proficiency in SQL – complex queries, database optimization, data extraction
• Strong Python expertise – libraries such as Pandas, Stats models for analysis and modeling
• Statistical modeling – logistic regression, decision trees, ensemble methods, and neural networks
• Predictive analytics – scorecard development, risk segmentation, cohort analysis, and performance tracking
• Data visualization tools – Tableau, Power-BI, or equivalent for dashboard creation & reporting
• Spreadsheet mastery – Excel with advanced functions, pivot tables, and data analysis

4. Core Competencies

• Strong ability to interpret complex, large-scale datasets & derive actionable business insights
• Detail-oriented approach with strong problem-solving skills in risk management contexts
• Ability to translate technical findings into clear, non-technical communication for stakeholders
• Sound understanding of statistical methodologies, sampling, and hypothesis testing

5. Soft Skills

• Excellent communication skills for presenting findings to senior management and cross-functional teams
• Ability to manage multiple stakeholders & priorities in a dynamic, fast-paced environment
• Strong self-motivation and ability to work independently with minimal supervision
• Collaborative mindset with a commitment to continuous learning and improvement

Preferred Attributes

• Experience with automated underwriting systems, machine learning platforms, or model deployment tools
• Familiarity with credit risk frameworks (Advanced IRB approaches)
• Knowledge of consumer lending dynamics, credit trends, and behavioral analytics
• Prior exposure to A/B testing, experimental design, or causal inference techniques
• Understanding of financial regulations related to consumer credit and data privacy