Job Description
Credit Policy Lead
THE ROLE :
- As a Credit Policy Lead you will play a key role in maintaining and updating the Company's credit risk policies for acquisitions and servicing.
You will be challenged to think creatively to develop analyses that incorporate multiple alternative data sources to support credit risk management and improve operational efficiency at all stages of the credit life cycle.
It will be your responsibility to identify internal and macro trends, and provide business recommendations to address them.
Your responsibilities will include, but are not limited to :
- Building, testing, and improving on existing innovative credit risk models
- Completing exploratory data analyses of large sets of public, private, and proprietary data to develop new business insights
- Performing analyses to support product design, pricing, marketing, and market sizing
- Maintaining in-depth familiarity with the company's underwriting processes to help improve and support operations
- Creating and presenting insights and recommendations to the Leadership team
- Monitoring industry and competitor trends for early indicators of structural changes
THE QUALIFICATIONS :
- Bachelor's degree in a quantitative discipline; advanced degree preferred
- 4+ years experience in data analytics, credit analytics, and/or risk management.
- Practical experience with statistical platforms such as R, Python, SAS, SPSS, or Matlab
- Advanced data modeling and data programming skills using large, complex data schemas
- Experience in alternative/thin file credit risk scoring is a plus
- Hands-on experience in developing models, both mathematical and statistical ones that directly relate to the risk being measured
- Ability to explain analytical concepts to non-technical audiences
- Superior communication, presentation and facilitation skills with the ability to express complex concepts in plain language to reach broader audiences
THE ROLE :
- As a Credit Policy Lead you will play a key role in maintaining and updating the Company's credit risk policies for acquisitions and servicing.
You will be challenged to think creatively to develop analyses that incorporate multiple alternative data sources to support credit risk management and improve operational efficiency at all stages of the credit life cycle.
It will be your responsibility to identify internal and macro trends, and provide business recommendations to address them.
Your responsibilities will include, but are not limited to :
- Building, testing, and improving on existing innovative credit risk models
- Completing exploratory data analyses of large sets of public, private, and proprietary data to develop new business insights
- Performing analyses to support product design, pricing, marketing, and market sizing
- Maintaining in-depth familiarity with the company's underwriting processes to help improve and support operations
- Creating and presenting insights and recommendations to the Leadership team
- Monitoring industry and competitor trends for early indicators of structural changes
THE QUALIFICATIONS :
- Bachelor's degree in a quantitative discipline; advanced degree preferred
- 4+ years experience in data analytics, credit analytics, and/or risk management.
- Practical experience with statistical platforms such as R, Python, SAS, SPSS, or Matlab
- Advanced data modeling and data programming skills using large, complex data schemas
- Experience in alternative/thin file credit risk scoring is a plus
- Hands-on experience in developing models, both mathematical and statistical ones that directly relate to the risk being measured
- Ability to explain analytical concepts to non-technical audiences
- Superior communication, presentation and facilitation skills with the ability to express complex concepts in plain language to reach broader audiences
💡 Quick Summary
Seeking a career-building opportunity? The Lead | Credit Policy | BFSI |4|12 yrs position is now open for candidates interested in the Bank Jobs sector. This role in Bengaluru offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
