Credit Risk Manager

Bachelor's degree in a quantitative field, economics, business, engineering, or equivalent 5+ years of experience in data analysis, strategy development, reporting and model building, preferably in BFSI industry Experience with credit card products, revolving credit risk management, and consumer lending portfolios Knowledge of credit card regulations, compliance requirements, and industry best practices Experience with real-time decisioning platforms and Credit Decision Engine implementations Knowledge and experience in loan loss forecasting and loss provisioning Proficiency in Data Visualization tools such as Tableau, PowerBI, Sigma or similar Proficient in programming languages such as SQL and Python Familiarity with data from monoline lenders or fintechs (Nice-to-have) Experience with alternative data or Non-Prime lending (Nice-to-have) Experience with cloud-based platforms such as AWS or GCP (Nice-to-have)

Develop and produce weekly, monthly, and quarterly reports and dashboards detailing key financial and risk metrics. Develop credit card-specific reporting frameworks. Track and evaluate the performance of Key Performance Indicators (KPIs). Extract insights from reports and communicate findings to leadership. Collaborate with predictive modellers to develop and implement credit risk models. Construct models for forecasting losses. Monitor the performance/effectiveness of existing credit strategies and suggest edits. Formulate and implement strategies for acquisition and account management. Design credit card underwriting strategies. Lead credit card underwriting strategy implementation in Credit Decision Engine (CDE). Monitor the effectiveness of current credit strategies and enhance them by exploring new data sources. Unlock insights from complex data groupings and communicate findings. Conduct deep-dive analysis on credit card portfolio performance. Analyze competitive landscape and industry benchmarks.