Lead Credit Risk Analytics Consultant

Overview

Lead Risk Analytics Consultant supporting the Retail Services originations strategy function within Consumer Banking & Lending, providing analytic insights on originations, portfolio performance, merchant profiling, segmentation, retention and merchant lifetime value.

What you'll do

• Act as subject matter expert for executive leadership on highly complex issues.
• Assess and predict risk and performance through business analysis and/or modeling.
• Establish effective policies, processes, and tools to identify and manage risks.
• Use predictive sciences to develop future ready solutions.
• Develop comprehensive merchant/industry monitoring frameworks and dashboards, and provide statistically sound diagnostic evaluation of emerging or unexpected risk areas.
• Report on asset quality, portfolio trends and credit policy exceptions across credit, vintage, product, offer, channel and industry segments using visualization tools such as Excel VBA, Tableau and Power BI.
• Ensure resolution of matters requiring attention (MRA) from outside regulators, Audit, Corporate Model Risk or internal review teams.
• May partner with other business units, Audit, Legal, regulators and industry partners on risk related topics.
• Lead implementation of complex initiatives with moderate to high risk for the line of business.
• Lead project teams and may mentor, but does not manage other team members.
• Develop complex programming models to extract data and/or manipulate databases such as Oracle, Teradata and BMG.

What you'll need

• 5+ years of Risk Analytics experience, or equivalent demonstrated through work experience, training, or education.
• Overall experience of around 5+ years in a similar role, with at least 5 years of unsecured lending experience in analytic functions.
• Bachelor's degree or higher in a quantitative field such as applied mathematics, statistics, engineering, finance, economics, econometrics or computer science.
• Experience in credit risk analytics and merchant risk management.
• Advanced SAS and macros knowledge, R, Python.
• Strong knowledge of MS Office tools, segmentation tools and decision trees.
• Strong technical and problem solving skills.

Nice to have

• A strong track record and business knowledge in the financial services sector, with a deep understanding of credit card credit or fraud risk from a full-cycle perspective, including testing and control within a large financial institution.
• Experience working horizontally across the organization.
• Strong operational and execution skills, with keen attention to detail.
• Master's degree in a quantitative or advanced analytics discipline.

Details

• Location: Bengaluru, India.
• In-office expectation: 4 days a week.
• Shift timings: 1:30 PM to 10:30 PM.
• Posting end date: 19 Nov 2026.