Senior Risk Analyst

Roles and Responsibilities:

• Develop, implement and maintain credit policy for digital lending products
• Analyze data (e.g. traditional and alternative bureau, behavioral & macroeconomic data) using statistical tools and analytical techniques to generate insights and optimize credit decisions (accept/ decline, pricing and credit line)
• Build and optimize existing customer management strategies to improve customer level profitability
• Monitor portfolio and vintage delinquencies to ensure risk is within bounds; take corrective action as required
• Analyze and evaluate potential vendors/data providers for incremental value in credit management strategies in a continuous improvement environment
• Partner with marketing, data science and product teams to ensure appropriate execution of policy requirements
• Keep up-to-date on applicable regulations and compliance requirements with possible interactions with internal and external regulators

Skills & Experience :-

• Bachelor’s degree in Mathematics, Statistics, Economics, Engineering or a related field.
• 2-4 years of relevant experience. Experience in risk policy/risk management/analytics would be preferred
• Utilizing knowledge of credit bureau data, risk scorecards and ability to pay quantification
• Expertise in excel; data manipulation using SQL/R/Python an added plus
• Visualizing complex data analyses and communicating to a wide variety of audiences, including senior leadership
• Managing several projects simultaneously and driving end-to-end project delivery
• Developing policy and procedures documentation for credit risk strategy execution
• Developing and automating quality control process to ensure intended execution of credit strategies