Key Responsibilities :

1. Credit Risk Strategy & Analytics :

- Design, test, and implement credit strategies for new customer onboarding and existing customer portfolio.

- Analyze risk metrics such as PD, LGD, EAD, vintage curves, flow rates, delinquency trends, and portfolio movements.

- Develop cut-offs, scorecard-based strategies, and policy rules to optimize risk-reward outcomes.

- Partner with product, credit, and operations teams to strengthen underwriting frameworks.

2. Data Analysis & Insight Generation :

- Extract and manipulate large datasets using SQL for deep-dive analysis.

- Build interactive dashboards and data stories on Tableau to monitor portfolio health, credit KPIs, and trends.

- Identify early warning signals and recommend data-driven actions.

3. Risk Modelling Support (Good to Have) :

- Support model development teams with feature extraction, data prep, and validation using Python.

- Assist in back-testing scorecards, champion-challenger strategy evaluation, and model monitoring.

4. Reporting & Stakeholder Collaboration :

- Prepare business performance decks for risk reviews, board meetings, and regulatory reporting.

- Collaborate with senior management, credit policy teams, and technology teams for strategy deployment.

- Ensure compliance with internal risk frameworks and external regulatory guidelines.