Credit Risk, Python, SQL, Banking domain

Experience:
4 + Years

Role Details:
The role is expected to use analytical tools to identify prospects to grow overall assets as well as manage risk. It involves managing risk management framework across customer lifecycle – acquisition, portfolio management and collections, across lending products.

Responsibilities :
Design, analyze, monitor credit risk strategies for different loan products such as personal loans, auto loans, etc.
Identify the prospect areas for portfolio growth and pro-actively communicate with stakeholders
Design, analyze and monitor collections and recovery strategies to reduce delinquencies
Collaborate across other risk functions (example – technology, product, etc.) to implement the analytical decisions
Understand existing underwriting rules, strategies and replicate them in business rules using SQL & Python
Design and analyze income, employment, fraud verification strategies
Develop, maintain and improve risk policies, strategies, processes and procedures within the assigned function




Utilize application, bank and bureau information to derive business insights
KPI generation, tracking of risk and delinquency metrics for portfolios using SQL/Tableau
Revamp pricing strategy changes and launch A/B test to monitor impact and performance of the change
Set up the process to run eligibility conditions for marketing campaigns such as cross – sell, etc.

Requirements :
Knowledge of and certifications in programming, SQL & Python (SQL is must)
Knowledge of best practices in coding, data manipulation and creating re-usable artifacts
Knowledge of Banking / Financial Services Industry with preference in lending space (Personal Loans, Credit Cards, Auto loans etc.)
Ability to create recommendations and insights from data for developing risk strategy
Experience with creating and utilizing credit risk datamarts using internal and third party data (Experian, FICO, etc.)
Abili

📌 Risk Strategy Gurugram
🏢 Crescendo Global
📍 Gurugram