Main Accountabilities

Qualifications & Experience

* Post Graduate degree with a background in Statistics / Mathematics /
Economics/ Engineering / MBA from premier institutes
* Experience of 3-6 years in the field

Functional Competencies

* Hands on experience with scoring/data modelling
* Tools: Python & SQL
* Statistical Techniques: Logistic Regression, Segmentation, Forecasting,
Machine Learning Techniques, Optimization.

* Monitor and analyze portfolio performance for Personal Loans (PL) and
Business Loans (BL), including delinquency trends, vintage analysis,
segment-wise performance, and risk triggers.
* Conduct offer validation and performance analysis using Python, SQL, and data
analytics tools to ensure optimal customer acquisition and portfolio quality.
* Evaluate alternative and bureau-based data sources, conduct Proof of Concepts
(POCs), and recommend data-driven strategies to enhance credit underwriting
and risk assessment.
* Track, measure, and assess the effectiveness of implemented risk strategies,
scorecards,



underwriting rules, and portfolio management initiatives.
* Collaborate closely with the Risk, Policy, Product, Business, and Data
Science teams to evaluate, approve, implement, monitor, and periodically
recalibrate risk models, scorecards, and decisioning frameworks based on
portfolio performance.
* Lead and manage cross-functional Risk Analytics and Risk Transformation
projects, ensuring timely implementation and achievement of business
objectives.
* Perform customer segmentation, cohort analysis, champion-challenger testing,
and strategy impact assessment to drive continuous portfolio optimization.
* Support policy formulation and risk governance through data-backed insights,
analytics, and recommendations.

* Drive automation initiatives in portfolio monitoring, risk reporting, and
analytical processes to improve efficiency and decision-making.

📌 Manager - Risk Analytics - Mumbai - Lodha (I-Think Techno Campus) (Thane)
🏢 Tata Capital
📍 Thane