Collect and analyse data to identify credit risk (IFRS9, CECL, ECL, delinquency, roll rate, charge-off and prepayment) trends and drive insights to further strengthen loss forecasting analytics.

- Craft dashboards to track KPIs around portfolio performance, including deep diving into credit strategies and their impact on it.
- Develop and maintain loss and prepayment forecasting processes for every consumer product fintech offers.
- Extend analytical support to advance fintech collections strategy and build forecasting frameworks for key collections KPIs.
- Use analytical techniques to mine loan characteristics/performance data to extract valuable insights for the business.
- Use data visualization techniques to develop relevant reports for Senior Management.
- Track industry setting and competitor landscape to support the business.
- Correlate Macro-Economic conditions with fintech internal loan performance to support recession readiness and long-run planning.
- Leverage forecasting outputs in the monthly allowance process (CECL) and identify areas where qualitative adjustment is needed.




- Support planning and budgeting exercises within the company by leveraging forecasting assumptions and outputs.
- Work closely with key partners to ensure forecast and allowance assumptions are accurate

Preferred candidate profile

- 5+ years of experience in credit, analytics, IFRS9, CECL, ECL, risk management, data science, or information management.
- Bachelors or master's degree with a quantitative background (e.g. Statistics, Math, Engineering, Economics).
- Strong technical skills such as SQL, SAS, R and Python.
- Experience with BI/data visualization tools (like Tableau or Excel to create dashboards).
- Excellent written and verbal communication skills, including the ability to communicate project scope in documentation and presentation format.
- Experience in the Financial / FinTech industry is a plus.
- Previous experience with loss forecasting and collections analytics, allowance and stress

Mandate:

IFRS9, CECL, ECL, SQL, Python is mandatorily required.

📌 Loss Forecasting (Gurugram)
🏢 EXL
📍 Gurugram