Sr. Manager, Credit Risk Analytics

Master's degree in Business, Statistics, Mathematics, Engineering or Economics. 8+ years of experience managing acquisition credit risk for Credit Card and Personal Loan business. Strong business acumen and extensive knowledge about credit management. 3+ years of people leadership experience. Ability to translate business problems into analytical problems and build/enhance frameworks. Exceptional communication skills in both written and oral, able to communicate technical subjects clearly and succinctly to team members and Senior Management. Ability to work productively in a remote/in-person hybrid working environment.

Develop credit strategies to improve credit performance using data, ML/AI models, and advanced analytics tools. Enhance strategies based on findings and gaps, presenting recommendations with business impact and cost considerations. Ensure credit losses remain within the company's defined risk appetite. Design and evaluate A/B tests with an understanding of risk-return trade-offs. Identify and evaluate new vendors/data sources and create business cases. Partner with Product, Marketing, and Engineering teams to implement and monitor strategy performance. Conduct ad-hoc analysis related to risk management, investor services, product, and operations. Analyze portfolio performance at a granular segment level, identify key drivers and emerging trends. Ensure strategies and policies comply with regulatory requirements by working with legal and compliance teams. Have experience with credit loss forecast and stress testing exercises.