Job Description Role Overview Looking for an Analytics professional with 5+ years of work experience in banking / NBFC / Fintech sector in Credit Risk domain (Acquisition and Account Management areas) for personal loans / 0 interest EMI products / credit cards etc.
n Responsibilities:
n n Lead personal loans strategy across acquisition, underwriting, loan limit assignment, pricing, installment programs, and collections.
n Manage portfolio performance and drive sustainable, risk-adjusted growth.
n Develop and refine credit policies, risk appetite, decision frameworks, and portfolio guardrails.
n Monitor portfolio health, including delinquency, utilization, profitability, customer behavior, and vintage performance.
n Use internal, bureau, and alternative data to identify opportunities and improve results.
n Handle large amounts of data to derive business insights and create innovative solutions/models/strategies.
n Clear articulation and structuring of business findings to the leadership and key partners.
n Handling team of analysts and guide them in their tasks.
n Handle critical projects and contribute to acquisition policy formulation and risk management
n n Skillset:




n n Minimum 5+ years' experience into Banking Analytics (Risk domain) across any of the functions – acquisition / account management / collection / fraud with a leading bank / Fintech / NBFC
n Experience in building credit risk models/strategies.
n Experience with alternate data usage (especially in Underwriting)
n Strong knowledge and working experience in SQL are a must.
n Knowledge of Python and ML is a big plus.
n Strong communication and interpersonal skills
n Ability to drive project deliverables to achieve business results.
n Ability to work effectively in a team environment.
n Notice period: 30-90 days. Early joiners preferred.
n n Education:
n n Bachelors or master's in quantitative field such as Economics, Statistics, Mathematics
n BTech/MTech/MBA from Tier 1 colleges (IIT, NIT, IIM)
n n Preferred companies:
n n Citibank, JPMC, AMEX, Standard Chartered, Bank of America, Axis bank, ICICI Bank, Kotak Mahindra Bank, HDFC bank, Accenture, EY, top banking analytics consulting firms.
n n Opportunity to work with a rapid-paced digital bank.

📌 Credit Risk Strategy (Bengaluru)
🏢 EXL
📍 Bengaluru