About Us :

Kadel Labs is a leading IT services company delivering top-quality technology solutions since 2017, focused on enhancing business operations and productivity through tailored, scalable, and future-ready solutions. With deep domain expertise and a commitment to innovation, we help businesses stay ahead of technological trends. As a CMMI Level 3 and ISO 27001 : 2022 certified company, we ensure best-in-class process maturity and information security, enabling organizations to achieve their digital transformation goals with confidence and efficiency.

Job Title : Loss Forecasting & Credit Strategy Analyst (Credit Card)

Experience : 5 - 10 Years

Location : Jaipur, Udaipur, Bhopal & Bangalore

About the Role :

We are looking for an experienced Loss Forecasting & Credit Strategy Analyst to support loss forecasting, reserve analytics, and credit strategy development for a US credit card portfolio. The ideal candidate will combine strong analytical and technical skills with a solid understanding of credit risk and card portfolio dynamics.

Key Responsibilities :

- Build and maintain loss forecasting models using roll-rate, vintage, and CECL-aligned methodologies.

- Develop baseline and stress-scenario forecasts and analyze forecast vs. actual variances.

- Develop and evaluate credit strategies across line management, authorization, and collections.

- Assess the P&L, credit risk, and loss impact of proposed strategies.

- Apply AI/ML techniques to improve forecasting accuracy and scenario analysis.

- Translate analytical insights into actionable credit strategy recommendations for senior stakeholders.

- Collaborate with business, risk, finance, and technology teams.

Required Skills & Experience :

- 5 - 10 years of experience in Credit Risk, Loss Forecasting, Credit Strategy, or related analytics roles.

- Hands-on experience with US credit card portfolios on the issuing side - US bank, card issuer, fintech, or GCC/captive supporting a US card business.

- Strong proficiency in Python and SQL for forecasting, data analysis, and scenario modelling.

- Working knowledge of CECL, stress testing, and reserve concepts; CCAR/DFAST exposure is an advantage.

- Experience applying AI/ML to forecasting, credit risk, or analytics is preferred.

- Strong Advanced Excel skills, including pivot tables, complex formulas, dashboards, and management reporting.

- Excellent communication skills with the ability to work with US-based stakeholders and provide US business-hour overlap when required.