Credit Manager

Position: Credit Manager (SME)

Employment Type: Full Time

Experience: Credit Risk, Lending Analytics, or Financial Modeling Roles

Company Description

Scry AI is a research-led enterprise AI company that builds intelligent platforms for BFSI, insurance, logistics, and industrial enterprises to drive efficiency, insight, and compliance. Our product suite includes Auriga for conversational AI, Collatio for document intelligence, and Concentio for cognitive IoT and operational intelligence. These platforms help clients convert complex, fragmented data into actionable enterprise intelligence.

We are looking for a Credit Manager (SME) to bring deep domain expertise in credit risk and support the development of AI-driven credit models and algorithms. This role is critical in translating lending knowledge into intelligent systems that enhance credit decisioning, risk assessment, and portfolio management.

Role Overview

As a Credit Manager (SME) at Scry AI, you will work closely with data science, product, and engineering teams to design and refine credit risk models. You will contribute domain expertise to ensure that AI-driven solutions accurately reflect real-world lending scenarios and regulatory requirements.

This role is ideal for someone with strong experience in credit risk and financial analysis who is interested in building and shaping AI-powered credit decisioning systems.

Key Responsibilities

Credit Risk Modeling & Algorithm Development

• Act as an SME in credit risk to support the development of AI models and scoring algorithms
• Define key risk variables, features, and decisioning frameworks for credit models
• Collaborate with data science teams to train, validate, and refine credit algorithms

Data Analysis & Model Insights

• Analyze financial, behavioral, and transactional data to identify risk patterns
• Provide domain inputs for model feature engineering and performance tuning
• Validate model outputs to ensure accuracy, fairness, and reliability

Product & Solution Development

• Work with product and engineering teams to embed credit models into AI platforms
• Translate lending workflows into scalable, automated decisioning systems
• Support the development of credit scoring, underwriting automation, and risk analytics tools

Portfolio Risk & Strategy

• Monitor model performance and credit portfolio trends
• Recommend improvements to risk strategies and decision frameworks
• Ensure models align with business goals and risk appetite

Compliance & Governance

• Ensure models adhere to regulatory requirements and risk governance standards
• Support model validation, documentation, and audit processes
• Address bias, explainability, and fairness considerations in AI-driven credit systems

Stakeholder Collaboration

• Collaborate with risk, lending, product, and data science teams
• Provide domain expertise during client discussions, solutioning, and implementations
• Act as a bridge between business, risk, and technology teams

Required Qualifications and Skills

• Strong experience in credit risk, underwriting, and financial analysis
• Experience working with credit scoring models or risk analytics frameworks
• Understanding of data-driven modeling, machine learning concepts, or analytics workflows
• Ability to translate business requirements into model features and logic
• Strong analytical and problem-solving skills

Our Ideal Candidate

• Is a domain expert in credit risk and lending
• Has a strong analytical and modeling mindset
• Can bridge financial domain knowledge with AI and data science
• Is detail-oriented and focused on accuracy and risk management
• Is interested in building AI-driven credit decisioning systems

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