Risk strategy - 4 Years - Pan India

Credit Risk Analyst – Banking – Gurugram – 3–8 Years

Are you passionate about building data-driven credit risk strategies that enable business growth while maintaining a strong risk framework? We are looking for professionals with 3–8 years of experience in the Banking/Financial Services industry, specializing in lending products and credit risk analytics. If you have strong SQL and Python skills along with expertise in portfolio risk, underwriting, collections, and risk strategy, this opportunity offers an excellent platform to make a significant business impact.

Location

Gurugram

Your Future Employer

A leading global organization known for its data-driven culture, advanced analytics capabilities, and opportunities to work on large-scale risk transformation initiatives across lending businesses.

Responsibilities

1. Designing, analyzing, and monitoring credit risk, underwriting, pricing, and portfolio management strategies across lending products while identifying opportunities for portfolio growth and communicating insights to stakeholders.
2. Developing, implementing, and monitoring collections, recovery, eligibility, fraud verification, income/employment verification, and other risk strategies to strengthen the overall customer lifecycle risk framework.
3. Utilizing SQL, Python, Tableau, application, banking, and bureau data to generate business insights, create reusable analytical solutions, track portfolio KPIs, monitor delinquency metrics, and replicate underwriting rules.
4. Collaborating with cross-functional teams including technology, product, and business stakeholders to implement analytical decisions while developing and enhancing risk policies, strategies, processes, and procedures.
5. Conducting statistically valid A/B tests, evaluating pricing strategy changes, measuring business impact, and establishing eligibility frameworks for marketing and cross-sell campaigns.

Requirements

1. 3–8 years of experience in Credit Risk Analytics within the Banking or Financial Services industry, with exposure to lending products such as Personal Loans, Credit Cards, or Auto Loans.
2. Strong proficiency in SQL (mandatory), Python, Tableau, and best practices in coding, data manipulation, and creating reusable analytical artifacts.
3. Experience in credit risk strategy, underwriting, portfolio management, collections analytics, KPI development, portfolio monitoring, and performance reporting.
4. Knowledge of credit risk datamarts, bureau data, third-party data sources such as Experian and FICO, along with fraud, verification, eligibility, and decline strategies.
5. Bachelor's or Master's degree in Engineering, Statistics, Mathematics, Economics, Finance, or a related quantitative discipline, with strong analytical, communication, stakeholder management, and A/B testing capabilities.

What's in it for you

1. Opportunity to work on enterprise-scale credit risk and lending analytics initiatives.
2. Exposure to advanced analytical tools, portfolio strategy, and decision science.
3. Collaborative work environment with strong learning and career growth opportunities.
4. Competitive compensation and comprehensive employee benefits.

Reach Us

If you feel this opportunity is well aligned with your career progression plans, please feel free to reach me with your updated profile at priyal.pandey@crescendogroup.in

Disclaimer

Crescendo Global specializes in Senior to C-level niche recruitment. We are committed to providing equal employment opportunities irrespective of race, religion, gender, age, disability, or any other protected characteristic. We encourage applications from all qualified candidates. Crescendo Global does not charge any fee from candidates for recruitment services.

Note

Due to the high volume of applications we receive, if you do not hear from us within one week of your application, please consider that your profile has not been shortlisted for this opportunity.

Profile Keywords

Credit Risk, Risk Strategy, SQL, Python, Banking, Lending, Personal Loans, Portfolio Analytics, Collections Strategy, Underwriting, A/B Testing, Tableau