Manager/Deputy Manager - Analytics

Role & responsibilities :

Key highlights of the role are listed below (purely indicative and not limiting):

This position would include the mentioned set of responsibilities but not limited to:

• Strong statistical knowledge and demonstrated hands-on experience in the domain of credit risk
• Develop and maintain application, behavioural, and collections scorecards for credit cards.
• Expertise in ECL modelling: PD/LGD/EAD estimation, staging logic, lifetime loss forecasting, macroeconomic overlays.
• Perform portfolio analytics such as delinquency trends, vintage analysis, revolve rate, and charge-off forecasting.
• Design risk-based limit assignment strategies and optimize credit line management.
• Collaborate with product, risk, and collections teams to implement data-driven approval and decline strategies.
• Conduct stress testing and scenario analysis for credit card portfolios.
• Ensure compliance with RBI guidelines, Basel norms, and internal governance standards.
• Prepare model documentation and presentations for senior management and regulatory reviews.

Applicants should possess the following attributes:

• Strong experience in credit card risk modelling and unsecured lending.
• Have previously worked on models like Fraud risk models, attrition/retention models, vintage analysis, stress testing etc
• Expertise in ECL modelling: PD/LGD/EAD estimation, staging logic, lifetime loss forecasting.
• Solid understanding of credit bureau data (CIBIL, Experian, CRIF) and fraud risk analytics.
• Knowledge of regulatory requirements (RBI, Basel norms, IFRS 9).
• Excellent analytical, problem-solving, and communication skills.
• Strong proficiency in SAS, Python, R, and SQL for data analysis and model development
• Experience with statistical techniques (Logistic Regression, Decision Trees, Scorecards)
• Familiarity with machine learning methods for advanced risk modelling
• Ability to work with large datasets and credit bureau data (CIBIL, Experian, CRIF).