Lead Credit Risk Strategy

Dear Candidate:

Overview:

We are seeking a highly analytical and detail-oriented professional to join our Credit Risk Strategy team. The Risk Strategy Specialist will be responsible for developing data-driven strategies and policies to enhance risk management, evaluate framework effectiveness, manage subject specific dashboards and mentor team members. This role requires strong analytical skills, proficiency in data tools, and a deep understanding of consumer banking products and credit risk.

Responsibilities:

• Drive tactical and strategic risk analytics for US bank Risk teams.
• Develop risk policies for POS lending, BNPL, and credit cards.
• Develop and implement comprehensive credit risk strategies to manage and mitigate risk across various credit products.
• Design A/B testing frameworks using DOE to enhance risk management.
• Lead the development of new rules and strategy by leveraging the existing data, managing the campaigns/monthly/ad-hoc dashboards, analyzing the trends and performing ad-hoc analysis.
• Perform policy analytics to ensure accurate customer targeting. Recommend improvements to business strategies and risk policies across acquisition and collections.
• Evaluate policy effectiveness, manage dashboards, and analyze performance metrics.
• Collaborate with cross-functional Risk Management teams. Summarize and report insights to senior leadership.
• Maintain strong credit risk knowledge.
• Manage projects with accuracy and timely delivery.
• Mentor and develop team members.

Qualifications:

• Educational Background : A degree in Statistics, Mathematics, Computer Science, or a related field. (IIT/NIT preferred)
• Industry Experience : 8+ years of proven experience in credit risk and analytics role within banking, fintech, or financial services. Excellent team management and client-facing skills.
• Technical Skills : Strong proficiency in SAS/Python and SQL . Hands-on experience with Tableau/ Power BI , Excel and PowerPoint .
• Analytical Skills : Strong analytical and problem-solving skills. Past experience in statistical analysis and knowledge of banking products.
• Excellent understanding of credit risk principles, regulatory requirements, and industry best practices.
• Communication Skills : Strong communication and interpersonal skills, with the ability to collaborate effectively with stakeholders at all levels and types (technical/non-technical). Leadership experience with a track record of managing and developing high-performing teams.
• Location : Gurgaon/Bangalore

Thanks,

Bhavika