Analyst - Judgemental Underwriting - IIT/IIM

Judgemental Underwriting - Analyst

Location : Bangalore

Technology - IT & Systems

Experience : 3.00 - 5.00 Years

Vacancies : 2

Job Description :

What you- ll be doing : Some of the responsibilities are to :

- Prepare, review and analyze credit worthiness of personal and commercial loan origination's and renewals

- Manage judgmental underwriting by evaluating additional customer information including company financials

- Manage large scale end to end projects, including vendor scores and technological implementation assessments

- Leverage customer data and transactional unstructured data to build risk segmentation and mitigation strategies

- Perform various departmental functions, including loan criteria monitoring, risk rating, and stress testing

- Ensure an appropriate balance between risk and customer experience at application, authentication, transaction, funds disbursement, and within client contact points

- Complete complex analyzes identifying authentication strategy and procedure gaps, manage implementation process across all credit life cycles to affect change

- Build necessary reporting to track the effectiveness of underwriting strategy and decision tools Work in tight collaboration with credit operations and customer service to ensure business effectiveness of Risk & Fraud strategy

- Work with Technology team to drive availability of relevant data, tools, and infrastructure and continue to enhance automated underwriting capability

Experience & Requirements :

- Bachelors/ Masters degree in Statistics, Economics, Finance, Mathematics, or a related quantitative field from a premier institute (IIT, IIM or equivalent)

- Minimum 3+ years of data mining experience preferably in a risk management context Knowledge of US consumer lending and credit risk management practices - credit card, personal loans, mortgage lending experience

- Expertise in statistical tools such as SAS, R and/or SPSS or related Experience in data manipulation languages such as SQL, Python preferred Excellent was written and verbal communication skills

What we are looking for in you: (Examples below) :

- Must be comfortable with a rapidly-changing workspace

- The successful candidate will have a demonstrable analytic, problem-solving, and leadership skills

- A perfectionist who tempers it with deadlines

- Experience and desire for working in a fast-paced, ever-changing environment

- Must have excellent communication and influencing skills, and be able to work across multiple groups with ease

- A positive - can do- attitude

- A constant drive to improve the experience of our users and our internal processes: "How can I make things better- "

- Ability to remain focused and work in an open workplace with frequent distractions

Why We :

- Our people! We are very proud of our people, our products, and our fun, friendly, and passionate culture.

- Equity - everyone's an owner! 100% paid benefits

- Fully stocked kitchen & catered lunches daily

- Casual work environment - just cover all of the requisite parts! Top of the line hardware