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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)
🏢 Tata Capital
📍 Mumbai