Job Summary:

We are looking for an experienced Credit Risk Strategy skilled with 3+ years of experience in designing and optimizing underwriting strategies using bureau and third‑party data. The ideal candidate will have hands-on experience in credit decisioning, portfolio performance analysis, and first-party fraud risk management

Key Responsibilities

:Underwriting Strategy & Credit Ris
kDesign, implement, and optimize credit underwriting strategies across the customer lifecycle (originations, line management, renewals, etc.) using bureau and third‑party data
.Develop and refine credit decision rules, cut-offs, and segmentation strategies to balance growth, risk, and profitability
.Analyze performance of existing strategies (vintages, cohorts, segments) and recommend data-driven enhancements
.Use SQL and Python to extract, transform, and analyze large datasets from multiple internal, bureau, and third‑party sources

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Required Qualification
s:Bachelor’s or Master’s degree in Finance, Economics, Statistics, Mathematics,



Computer Science, Engineering, or a related quantitative fiel
d.3–6 years of hands-on experience in credit risk / underwriting strategy within banking, NBFC, fintech, or credit risk consultin
g.Demonstrated experience in designing and implementing underwriting strategies using credit bureau data (e.g., CIBIL, Experian, Equifax, CRIF) and third‑party data sourc
esStrong proficiency i
n:SQL – advanced querying, joins, aggregations, performance tuning for large dataset
s.Python – data manipulation (pandas), analysis, and basic modeling; ability to productionize or hand over code to engineering team
s.Robust analytical and problem-solving skills with the ability to translate data insights into actionable strategie
s.Excellent communication skills with the ability to present complex analyses and recommendations to non-technical stakeholder

s.

📌 Credit Risk Analyst Bengaluru
🏢 Straive
📍 Bengaluru