Job Title: Senior Manager- Credit Risk Analytics (Consumer Loan Products)
Location: Gurgaon
Experience Level: 4-7 Years
Key Responsibilities
1. Risk Portfolio Analytics
Conduct comprehensive portfolio analysis to assess credit quality, concentration risk, and performance trends across consumer loan products
Develop KPIs and dashboards to monitor portfolio health, delinquency rates, loss rates, and other critical risk metrics
Analyze emerging risk patterns, identify outliers, and prepare actionable insights for stakeholder communication
Generate variance analysis reports and conduct root cause analysis on portfolio performance deviations
2. Credit Risk Analytics
Design, develop, and deploy predictive models for credit risk assessment, delinquency forecasting, and default probability estimation
Build and maintain credit risk scorecards, behavioral models, and segmentation frameworks using industry-standard methodologies
Perform statistical analysis to identify key risk drivers, develop early warning systems, and enhance model performance metrics
Conduct regular model validation,



back testing, and performance monitoring to ensure accuracy and regulatory compliance
4. Data-Driven Decision Making
Leverage advanced analytics and machine learning techniques to enhance credit decisioning processes
Build and maintain data pipelines for risk metrics calculation and monitoring
Perform cohort analysis, customer journey analytics, and lifetime value modeling
Translate complex analytical findings into transparent business recommendations for product and risk teams
5. Cross-Functional Collaboration
Partner with analytics, product, technology, and collections teams to optimize loan offerings and risk management strategies
Support product launches through credit risk assessments and go-to-market risk evaluations
Collaborate with collections and recovery teams to develop recovery strategies and understand post-disbursement performance
6. Compliance & Reporting
Ensure all models and analyse

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