Job Title Senior Lead / Lead Analyst ?

Credit Card Profitability Modeling Job Summary

We are seeking a highly analytical and technically strong Senior Lead / Lead Analyst with deep expertise in Credit Card Profitability Modeling and Banking Analytics. This role is primarily focused on designing, developing, enhancing, and maintaining profitability models that provide actionable insights into the financial performance of credit card portfolios. The ideal candidate will have extensive experience building customer-level and portfolio-level profitability models, robust proficiency in SQL and Python, and a deep understanding of credit card economics, revenue streams, cost structures, and portfolio performance metrics.

The role requires close collaboration with Finance, Product, Risk, and Business stakeholders to drive data-driven decision making and portfolio optimization. Roles &

Responsibilities ? Design, develop, and maintain end-to-end credit card profitability models. ? Build customer-level, account-level, and portfolio-level profitability frameworks to measure and forecast financial performance. ? Model and analyze key profitability components including: ?

Interest

Income ?

Interchange

Revenue ? Annual and Service Fees ? Rewards and Loyalty Costs ?

Operational





Expenses ?

Credit

Losses and Charge-offs ? Develop revenue attribution and cost allocation methodologies to accurately assess customer and portfolio profitability. ? Develop forecasting and scenario-analysis models to evaluate the impact of business strategies, pricing changes, and portfolio shifts. ?

Perform driver-based profitability analysis to quantify revenue and margin impacts across customer and portfolio segments. ? Build scalable analytical solutions using SQL and Python for profitability calculations, analysis, and reporting. ? Conduct model validation, sensitivity analysis, and performance monitoring to ensure model accuracy and stability. ?

Partner with Finance, Product, Risk, and Strategy teams to translate business requirements into analytical and modeling solutions. ? Analyze portfolio trends including spend behavior, revolving balances, utilization, delinquency, and overall profitability. ? Present model outputs, methodologies, assumptions, and business recommendations to senior stakeholders.

Provide technical guidance and mentorship to junior analysts on profitability modeling methodologies and best practices.

📌 Credit Card Profitability Modelling_BFS (Bengaluru)
🏢 Tiger Analytics
📍 Bengaluru