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About the role
- Analyze customer credit profiles, transaction patterns, and repayment behavior to recommend credit limit adjustments in both proactive and reactive scenarios.
- Credit Line Strategy Development - Create strategies for Initial Line Assignment / Line Management.
- Develop and refine risk models, decision frameworks, and scoring methodologies for credit limit increase decisions.
- Monitor portfolio performance, early warning indicators, and risk trends, escalating concerns as needed.
- Collaborate with cross-functional teams including underwriting, fraud prevention, compliance, and customer experience to implement risk controls and enhance credit policies.
- Design and execute scenario analysis to assess potential risk exposures.
- Ensure adherence to regulatory requirements, responsible lending practices, and internal credit guidelines.
- Support reporting and governance by preparing insights for senior management, audit, and compliance reviews.
Requirements
- Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or related field; Master’s degree preferred.
- 3-10 years’ experience in analytics and decision science.
- Strong understanding of credit scoring models, limit management frameworks, and portfolio risk analytics.
- Risk analytics experience: Portfolio Analytics, Acquisition and Line Management, Policy and audit analysis, Reporting / Dashboarding, Performance tracking (should have a knowledge of risk concepts like delinquencies, pre-payments and loss-curves etc.)
- Proficiency in SQL, SAS, Python; familiarity with BI tools (Tableau, Power BI) is a plus.
- Excellent problem-solving, communication, and stakeholder management skills.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit scoring modelslimit management frameworksportfolio risk analyticsrisk analyticspolicy analysisreportingdashboardingperformance trackingSQLSAS
Soft Skills
problem-solvingcommunicationstakeholder management