AVP/DVP/VP - Risk Analytics - BFS

Responsibilities:

- Analyze and manage credit risk associated with the Lending portfolio.

- You will utilize advanced statistical modeling techniques and data analysis to assess creditworthiness, detect fraud, and optimize credit card underwriting and pricing strategies.

- Develop and maintain credit risk models specific to credit card products, including application scoring, behavioral scoring, and fraud detection models.

- Analyze credit card transaction data to identify patterns, trends, and anomalies that may indicate fraudulent activity or credit risk.

- Collaborate with cross-functional teams, including marketing, operations, and compliance, to optimize credit card portfolio performance while maintaining risk thresholds.

- Conduct portfolio stress testing and scenario analysis to evaluate the impact of economic downturns and other adverse events on credit card delinquencies and losses.

- Monitor key credit risk metrics such as delinquency rates, charge-off rates, and loss reserves, and provide insights and recommendations to senior management.