About Kadel Labs

Kadel Labs is a deep-tech IT services company delivering high-quality technology solutions since 2017. We specialize in Digital Transformation, Data Engineering, Cloud, AI/ML, and Enterprise Applications, helping global enterprises build scalable and creative solutions. Kadel Labs is a CMMI Level 3 and ISO 27001:2022 certified organization committed to engineering excellence and customer success.
Role Purpose: Perform portfolio credit risk analytics across the account lifecycle — acquisitions, account management, and collections — for the US card portfolio.
Key Responsibilities
Analyze portfolio performance: approval rates, line assignment, utilization, delinquency, roll rates, and charge-offs
Support development, monitoring, and validation of credit risk scorecards and underwriting criteria
Conduct segmentation, champion/challenger, and policy impact analyses
Apply ML/AI techniques to enhance risk models and analytical insights
Role-Specific Skills
Strong Python (scikit-learn, statistical modeling) and SQL
Understanding of US credit bureau attributes (FICO, Vantage,



tradeline data) and card underwriting
Experience with credit risk modeling techniques (logistic regression, gradient boosting) preferred

Requirements
US Credit Card Experience: Hands-on experience supporting US credit card portfolios (issuing side) — e.g., US bank, card issuer, fintech, or captive/GCC supporting a US card business
Python / SQL: Strong proficiency in Python and/or SQL for data extraction, analysis, and automation
AI / AI Agent Experience (3+ years): More than 3 years of experience working with AI — building or working with AI agents, LLM-based solutions, machine learning models, or AI-driven analytics in a qualified setting
Excel: Advanced Excel skills, including pivot tables, complex formulas, and building management-ready reports and dashboards
Communication: Robust written and verbal English communication; ability to work with US-based stakeholders and overlap with US business hours as needed

📌 Credit Risk Analytics Analyst Credit Card Madhya Pradesh
🏢 Kadel Labs
📍 Madhya Pradesh