Principal Analyst - Risk & Portfolio Management - Credit Risk

Principal Analyst - Risk & Portfolio Mgmt - Credit Risk

Job Responsibilities:

Digital Lending Portfolio Strategy & Credit Policy:

- Support portfolio managers in credit analysis to drive Go-To Market strategy, Optimize customer underwriting and limit management through credit life cycle.

- Collaborate with product and customer success teams to develop and implement a "Test & Learn" approach for various messages, offers etc

Portfolio Monitoring, Communication & Automation:

- Build and Track various Portfolio Monitoring MIS against plan

- Execute campaigns to drive uptake, usage and repayment, track performance KPIs

- Build and maintain collection MIS and support performance tracking with collection agencies

- Optimize workstreams via automation through various tools (SQL, Pyspark, Python)

Required Qualifications & Skills:

- Bachelor's degree in engineering from Tier 1 undergraduate college & specialization with strong credentials in computer programming / advanced system analysis & computer simulations in the context of the BTP Thesis work or projects undertaken.

- Experience in risk/fraud/credit policy/strategy/rule development and loan portfolio optimization through analytics

- Good analytical thought process and aptitude for problem solving

- Hands on experience using SQL/Python/Pyspark SQL in a big data Hadoop/spark environment.

- Hands on experience in data cleaning and feature creation using Python / Pyspark

- Strong business acumen with a flair for going into the details is a must

- Strong entrepreneurial drive