Main Accountabilities

Qualifications Experience

- Post Graduate degree with a background in Statistics / Mathematics / Economics/ Engineering / MBA from premier institutes
- Experience of
- - 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.

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📌 Manager - Risk Analytics (Thane)
🏢 Tata Capital
📍 Thane