Strong knowledge and certifications in programming, SQL, and Python (SQL is mandatory)
Proficiency in best practices for coding, data manipulation, and creating reusable artifacts
In-depth understanding of the Banking and Financial Services industry, preferably in the lending space (e.g., Personal Loans, Credit Cards, Auto Loans, etc.)
Expertise in deriving recommendations and actionable insights from data to develop risk strategies
Experience in building and leveraging credit risk datamarts using internal and third-party data sources (e.g., Experian, FICO)
Ability to design and implement effective KPIs to measure strategy success
Comprehensive understanding of various elements of risk strategy, including eligibility, verification, fraud prevention, and decline criteria
Strong communication skills with the ability to present results effectively to business stakeholders
Solid knowledge of designing, implementing, and evaluating statistically valid experiments, particularly A/B testing
Qualifications
Bachelor of Engineering, Bachelor Computer Science or Master Degree
You are sought for an integral role in a prestigious IT services, consulting, and business solutions organization with a 50-year history of global partnerships. As India's largest multinational business group, operating in 46+ countries, they boast over 500,000 highly trained consultants. Pioneering financial markets infrastructure and data business, they seek your expertise to enhance our dedication to excellence in Data & Analytics, Capital Markets, and Post Trade services through open-access partnerships to shape the future of global service delivery.
Your Job
You will be responsible for Designing, analyzing, and monitoring credit risk 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
Understand existing underwriting rules, and strategies and replicate them in business rules using SQL & Python
Design and analyze income, employment, and fraud verification strategies
Develop, maintain and improve risk policies, strategies, processes and procedures within the assigned function
Utilize application, bank and bureau information to derive business insights
KPI generation, tracking of risk and delinquency metrics for portfolios using SQL/Tableau
Revamp pricing strategy changes and launch A/B test to monitor the impact and performance of the change
Set up the process to run eligibility conditions for marketing campaigns such as cross – sell, etc.
