Credit Risk Analyst
Job Description
Credit Risk
Job Description:
A successful candidate would work as an EXL consultant with a leading US Financial Services
Organization on an unsecured lending portfolio. The job will require the consultant to work on:
· Support tactical & strategic risk analytics initiatives for US based banks’ Risk team
· Develop risk policy for Point of Sale (POS) lending, Buy-now-pay-later (BNPL), and Credit Card solutions
· Design A/B testing frameworks with Design of Experiments (DOE) methodology to optimize risk management programs
· Policy analytics to make sure correct customer segments are targeted and acquired
· Recommend changes to business strategy and risk management policies
· Build reporting/BI frameworks for Risk teams within the organization
· Evaluate effectiveness of current policies & strategies, manage the monthly dashboards and ad-hoc analysis, analyze tests & performance related to funnel performance, portfolio verification performance and post issuance loan performance
· Clearly communicate analysis as presentations to technical & non-technical groups
·Develop and maintain effective working relationships with colleagues in other areas of Risk Management.
· Summarize analytical findings into presentations and share analysis & reports with senior leadership.
·Maintain a high degree of technical and policy understanding with respect to credit risk.
· Manage assigned projects in a timely manner, ensuring accuracy and that deliverables are met.
· Train, coach and develop team members
Qualifications:
· 5-15 years of experience in Analytics and Decision Science.
· Risk Analytics experience: Portfolio analytics, Acquisition and Line Management, Policy audit and analytics, Reporting/Dash-boarding, Performance tracking (should have a knowledge of risk concepts like delinquencies, pre-payments, loss curves etc.)
· Past experience in problem solving roles, strategic initiatives etc.
· Knowledge in Banking Domain
· Hands on work experience in SQL.
· Hands on work experience in SAS/SAS macros would be a plus
