The Credit Risk Analyst II is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations. Researches and interprets factual information. Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Positive understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team.

Responsibilities:
Develop, manage, maintain, update, and validate data mining findings and analytical tools (scores and segmentation)



that will ensure the growth of the business while controlling for risk (minimizing risk forecast variance).
Work with GMRA to enable efficient development and delivery of new scoring and non-scoring models for the different geographies and products. Work with the in-country scoring manager to achieve team’s responsibilities of determining Scoring needs (according to business going forward strategy) and drive score management priorities as well as actively engage with Region and GMRA to drive planning and delivery.
Champion all Scoring Strategy analysis delivery and implementations. Perform score and non-score monitoring MIS and validations and conduct quarterly scoring reviews.
Support growth and business objectives through use of scoring models, strategies and credit bureau. Leverage credit bureau data to optimize Account Acquisition / Maintenance, Fraud and Collection Strategies. Ensure optimal business use of scoring models and credit bureau in the countries.
B

📌 Retail Credit Risk Model Senior Analyst (India)
🏢 Citi
📍 India