Job Description

Role Overview Looking for an Analytics professional with 5+ years of work experience in banking / NBFC / Fintech sector in Credit Risk domain (Acquisition and Account Management areas) for personal loans / 0 interest EMI products / credit cards etc.

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Responsibilities:

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- Lead personal loans strategy across acquisition, underwriting, loan limit assignment, pricing, installment programs, and collections.
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- Manage portfolio performance and drive sustainable, risk-adjusted growth.
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- Develop and refine credit policies, risk appetite, decision frameworks, and portfolio guardrails.
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- Monitor portfolio health, including delinquency, utilization, profitability, customer behavior, and vintage performance.
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- Use internal, bureau, and alternative data to identify opportunities and improve results.
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- Handle large amounts of data to derive business insights and create innovative solutions/models/strategies.
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- Clear articulation and structuring of business findings to the leadership and key partners.
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- Handling team of analysts and guide them in their tasks.
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- Handle critical projects and contribute to acquisition policy formulation and risk management
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Skillset:

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- Minimum 5+ years' experience into Banking Analytics (Risk domain) across any of the functions – acquisition / account management / collection / fraud with a leading bank / Fintech / NBFC
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- Experience in building credit risk models/strategies.
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- Experience with alternate data usage (especially in Underwriting)
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- Solid knowledge and working experience in SQL are a must.
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- Knowledge of Python and ML is a big plus.
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- Strong communication and interpersonal skills
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- Ability to drive project deliverables to achieve business results.
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- Ability to work effectively in a team environment.
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- Notice period: 30-90 days. Early joiners preferred.
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Education:

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- Bachelors or master's in quantitative field such as Economics, Statistics, Mathematics
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- BTech/MTech/MBA from Tier 1 colleges (IIT, NIT, IIM)
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Preferred companies:

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- Citibank, JPMC, AMEX, Standard Chartered, Bank of America, Axis bank, ICICI Bank, Kotak Mahindra Bank, HDFC bank, Accenture, EY, top banking analytics consulting firms.
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Opportunity to work with a fast-paced digital bank.

📌 Credit Risk Strategy (Bengaluru)
🏢 EXL
📍 Bengaluru