Role Details: The role is expected to know credit risk analytics and should have worked in the loss domain within banking/financial services. It involves managing risk management framework across portfolio management, collections and loss management, for retail lending products.
Responsibilities
- Design, analyze, monitor collections and loss strategies for different loan products such as personal loans, auto loans, etc.
- Identify the opportunity areas for portfolio growth and pro-actively communicate with stakeholders
- Collaborate across other risk functions (example technology, product, etc.) to implement the analytical decisions
- Design, analyze and enhance existing loss forecasting process
- Utilize application, bank and bureau information to derive business insights
- KPI generation, tracking of risk and delinquency metrics for portfolios using SQL/Tableau
Requirements
- Knowledge of and certifications in programming, SQL/Python and Tableau
- Knowledge of best practices in coding, data manipulation and creating re-usable artifacts
- Knowledge of Banking / Financial Services Industry with preference in lending space (Personal Loans, Credit Cards, Auto loans etc.)
- Ability to create recommendations and insights from data for developing risk strategy
- Experience with creating and utilizing credit risk datamarts using internal and third party data (Experian, FICO, etc.)
- Ability to design the right KPIs for measuring portfolio performance
- Ability to communicate and present the results to business stakeholders
