Credit Risk Analytics Role - NBFC

Job Title: Credit Risk Analytics - NBFC

Principal Accountabilities:

- Scorecard & Policy Rule Development: Develop, deploy, maintain, and update scorecards and policy rules (BREs) in the system.

- User Acceptance Testing (UAT): Ensure successful UAT for all coded BREs and maintain testing logs.

- Process Automation & Credit Workflows: Have a clear understanding of process automation and credit workflows.

- Stakeholder Engagement: Regularly connect with business, product, credit, IT, and analytics stakeholders.

- System Rule Audits: Conduct monthly audits to prevent unknown errors in BREs.

- Scenario Analysis: Support the product risk manager with insights on scenario analysis for rules to be coded.

- Report Publishing: Publish BRE rule pass/fail reports and understand rejection reasons.

- Bug Reporting & RCA: Maintain system bug reports regularly and conduct root cause analysis (RCA) for each bug.

Qualifications, Experience & Skills:

Education: Post-graduate/MBA/CA.

- Product Knowledge: Prior experience with unsecured loan products is essential.

Technical Skills:

- Proficiency in SQL is essential.

- Proficient in risk-based analysis, BRE/Automation processes, and scorecard development.

- Analytical Skills: Logical thinking and detailed portfolio analysis capabilities.

- Interpersonal Skills: Strong ability to collaborate at all organizational levels.

- Communication Skills: Excellent written and verbal communication.

- Software Proficiency: Hands-on experience with Excel, Word, and PowerPoint.