AU Small Finance Bank - Risk Analyst - Credit Cards Domain

Job Description: Risk Analyst

Location: Jaipur, India

Role

The Analytics Team at AU is a bunch of young, enthusiastic and energetic people in the pursuit of driving a positive data-led change in the financial services industry. With a passionate and entrepreneurial management, the team has been bestowed with the responsibility of over-hauling traditional business practices with the modern data-driven approach in every aspect of business decision-making.

And in the pursuit, we are looking for exceptional analytical thinkers and practical problem solvers who have a knack of using data driven insights and predictive models to solve complex business problems.

The role will have you engaged in the design, creation, implementation, and management of descriptive and predictive analytics that will leverage large set of existing customer data which includes their financial and behavioral performances, to create new insights and opportunities.

As part of a small team, where your interests and enthusiasm can have a major impact on business direction, you will innovate using a wide range of analytical tools, methods, and platforms.

Responsibilities

- Develop and enhance policies, processes, and controls for mitigating credit risk

- Conduct Quantitative analysis to decide the thresholds to check who should be approved for card and how much line should they receive

- Developing score cards and risk scores for customers using statistical model for credit card

- Decisioning on Credit line increase/decrease post capturing the on-us performance of customers

- Acquire necessary data resources to create, develop and implement the statistical models/score cards

- Proactive tracking of existing models- performance and incremental improvement

- Ensure robust documentation of models developed

- Ensure integration of models with mainline operations and movement of code into production, wherever model output becomes a recurring requirement

Requirements

- Credit risk management for revolving/unsecured debt experience and understanding of credit lifecycle is preferred

- Understanding of Statistical Models like Decision Trees, Logistic Regression, Boosting Techniques, SVM

- Understanding of bureau data and derived variables for revolving/unsecured debt is preferred

- Advanced Degree in Statistics, Math, Engineering, Physical Sciences, Computer Science or another quantitative discipline.

- Fluent in modern advanced analytical tools - R, SAS or Python

- Substantial experience with the use of relational databases for data storage and analysis including fluency with using SQL for data extraction and management (MSSQL, Oracle, MySQL, etc.).

- Ability to address multiple priorities in an extremely fast-paced environment.

- Being able to work autonomously.

About Company

AU SMALL FINANCE BANK is headquartered at Jaipur which is funded and actively supported by leading global PE funds. Since inception, the Company has grown many folds from strength to strength and today it prides in being one of the fastest growing banks in India.

Its fabulous and robust growth story, led by process innovation and deep market understanding, has been recognized by customers, employees and investors alike. A stellar IPO in 2017, a recent foray into the Fortune 500 list and some of the many testaments of the company's performance.