Credit Analyst

Job id - 1121286

Skills
Credit Analyst

Job Description

Position: Credit Risk Strategy Manager
Location: Bangalore
Work Mode: Full-time | Work from Office
Reporting To: Chief Risk Officer (CRO)
CTC: ₹22 LPA – ₹28 LPA

Position Overview

We are looking for an experienced Credit Risk Strategy Manager to lead the development, implementation, and optimization of credit risk strategies across the customer lifecycle. The ideal candidate will have strong expertise in unsecured lending products, risk analytics, portfolio management, and regulatory compliance. This role requires working closely with cross-functional teams to ensure balanced risk management while driving business growth.

Key Responsibilities

  • Develop, implement, and optimize credit risk strategies across the customer lifecycle, including:
    • Loan Origination
    • Scorecard Cut-off Management
    • Affordability Assessment
    • Credit Limit Management
    • Cross-product Pre-Approval Strategies
  • Monitor portfolio performance and continuously enhance risk strategies using internal and external data.
  • Analyze large datasets to identify trends, risks, and business opportunities.
  • Build and present periodic risk performance reports and management presentations.
  • Define, monitor, and improve key risk performance metrics (KPIs/KRIs).
  • Participate in the development and enhancement of Anti-Fraud and AML (Anti-Money Laundering) rules.
  • Collaborate with Marketing, Collections, Finance, Reporting, Compliance, and IT teams to support business objectives.
  • Ensure compliance with RBI regulations and interact with regulatory authorities whenever required.
  • Support data-driven decision-making through SQL, Excel, and Python-based analysis.
  • Recommend policy improvements to optimize portfolio profitability while maintaining acceptable risk levels.

Required Qualifications

  • Bachelor's or Master's degree in Mathematics, Statistics, Economics, Finance, Computer Science, Engineering, or any quantitative discipline.
  • 5+ years of experience in Credit Risk Strategy within Banks, NBFCs, or FinTech organizations.
  • Hands-on experience with unsecured lending products such as:
    • Credit Cards
    • Personal Loans
    • Payday Loans
    • Consumer Lending Products
  • Experience in developing and managing credit policies and risk strategies throughout the lending lifecycle.
  • Strong expertise in portfolio analytics and data-driven decision making.
  • Advanced SQL and MS Excel skills.
  • Working knowledge of Python for data analysis is preferred.
  • Experience handling large datasets and translating insights into business actions.
  • Good understanding of RBI guidelines, AML, and fraud risk management.
  • Excellent analytical, problem-solving, and presentation skills.
  • Strong communication skills with the ability to work independently and collaborate across teams.

Preferred Experience

  • Experience in FinTech or digital lending platforms.
  • Exposure to scorecard development and optimization.
  • Familiarity with bureau data and alternative data sources.
  • Experience working with regulatory reporting and audits.