Analyst - Credit & Fraud Risk

About the Role

We are looking for analytically strong professionals with deep expertise in credit card analytics, portfolio management, and risk strategyparticularly those who have worked on LTV (Lifetime Value) and Risk Reward trade-off modelling.

The ideal candidate bring sexperience working with U.S. credit card portfolios and can connectdata- driven insights to business profitability and portfolio health.

Key Responsibilities

• Develop, validate, and enhanceLTV models, creditrisk models, and portfolio profitability frameworks.
• Work on RiskReward trade-offmodelling to optimizeacquisition and portfolio strategies balancing growth and default risk.
• Extract and explore data,validate data integrity, perform ad hoc analysis, evaluatenew data sources for usage in strategy development.
• Lead portfolio analytics initiatives to track and improve creditperformance.
• Partner with risk, product,and marketing teams to design data-driven credit policies, limit strategies, and customer lifecycle interventions.
• Conduct profitability segmentation to identify high-value and high-risk customercohorts.
• Support pricing and creditlimit optimization using predictive modelling and scenario simulations.
• Analyse large-scale datasets (internal + bureau data) to extractactionable insights for portfolio health monitoring.

Required Skills & Experience

• 2 years + of experience in credit card, consumer lending,or portfolio risk space.
• Proven experience in LTV modelling, riskreward trade-off, and portfolioprofitability optimization.
• Hands-on proficiency in Python or R for statistical modelling and SQL for data extraction/manipulation.
• Expertise in predictive modelling(logistic regression, decisiontrees, gradient boosting,survival analysis).
• Experience with credit bureaudata, scorecards, and portfolio forecasting techniques and familiarity with U.S. credit systems.
• Ability to communicate findings clearly to both technical and business audiences.