Job Title: Risk Architect
Location: Noida / Pune
Experience: 7+ years in Credit Cards / Consumer Lending

The Mission:

You’ll be the architect of how we grow our Credit Card business responsibly yet aggressively. Partnering with the US Risk team, you’ll design frameworks, models, and strategies that directly influence the P&L; while safeguarding against credit and fraud risks.

What You’ll Do:

• Underwriting Engine: Build next-gen “Yes/No” decision systems for card products.
• Credit Frameworks: Define line-of-credit determination, credit limit increase/decrease policies, and portfolio management strategies.
• Pricing Models: Develop risk-based APR frameworks to optimize Risk-Adjusted Margin (RAM).
• Fraud Defense: Outsmart bust-out artists and synthetic identities before they hit our books.
• Loss Estimation:



Create LGD/EAD-based loss forecasting frameworks.
• Stress Testing: Run portfolio stress tests using Excel, SQL, and Python to simulate shocks and validate resilience.
• Data Strategy: Use Python/SQL to uncover hidden “alpha” in alternative and traditional data sources.

Who You Are:

• Industry Veteran: 7+ years in Credit Cards (you’ve seen a cycle or two).
• Strategic Influencer: Tired of being a cog in the machine—you want to shape the P&L.;
• Translator: Can explain LGD/EAD to Risk Leads and Biz teams as easily as you can code a scraper. • Analytical Builder: Skilled in Excel, SQL, Python; able to turn intelligence into frameworks that scale.

📌 Risk Architect (Noida)
🏢 Biz2X
📍 Noida