Lead Risk Analytics Consultant

Overview

Lead complex credit risk analytics, strategy and loss forecasting initiatives for Retail products, acting as a subject matter expert for senior leaders on Consumer Lending Credit Risk.

What you'll do

• Lead complex initiatives related to business analysis and modeling, including cross-functional initiatives with broad impact, and act as a key participant in data aggregation, monitoring, and reporting of stress testing and portfolio analysis for Risk Analytics.
• Review and perform complex analysis to extract data and provide statistical and financial modeling specific to the businesses supported.
• Manage the roll-out of pilot programs developed as a result of programmed models for supported businesses and product lines.
• Make decisions on complex product strategies, data modeling, and risk exposure, applying understanding of business unit projects, policies, procedures, and compliance requirements.
• Lead analytic and reporting deliverables and drive new initiatives.
• Collaborate and consult with peers and managers of varying experience levels to resolve production, project, and regulatory issues and achieve common modeling goals.
• Develop the loss forecasting framework and execute it to generate key credit loss metrics for the medium term.
• Lead discussions with business and risk stakeholders to explain forecasted numbers and fine-tune projections based on high-level feedback.
• Mentor junior members to ensure delivery of the components of the forecasting framework.
• Develop comprehensive 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 Excel VBA, Tableau and/or SAS Visual Analytics.
• Build risk rating methodologies using advanced analytics, including statistical modeling and machine learning techniques such as Random Forest, Decision Trees, Segmentation, and/or Time-series modeling.
• Develop complex programming models to extract data and/or manipulate databases such as Oracle and Teradata.
• Partner with line of business management to drive the company credit culture, appetite, and business performance, and establish effective policies, processes, and tools to identify and manage risks.

What you'll need

• 5+ years of Risk Analytics experience, or equivalent demonstrated through a combination of work experience, training, or education.
• Good understanding of credit, practice in the test-and-learn discipline, and exploratory analysis.
• Hands-on experience in at least one area of credit risk analytics: credit strategy, modeling techniques, forecasting techniques, or data architecture and management.
• Detailed understanding of the risk domain, strong risk analytics skills, and understanding of P&L drivers.
• Expertise in a few programming and statistical packages: SAS, SQL, VBA, Macros, R, Python, E-Miner, Tableau, SAS VA.
• Knowledge of advanced statistical tools such as segmentation, decision trees, clustering, regression, and other statistical modeling and/or machine learning techniques.
• Ability to identify and evaluate trends, isolate root cause, and provide swift and thorough resolution.
• Knowledge and understanding of consumer and small business loans and credit card lending practices, policies, procedures, and key drivers impacting credit offerings.
• Ability to contribute to strategic decisions, coordinate with multiple stakeholders, and develop consensus and buy-in for strategic priorities.
• Strong ability to develop partnerships and collaborate with other business and functional areas.
• Ability to build dashboards and reports with Power BI.

Nice to have

• Control and governance and risk experience.

Details

• Location: Bengaluru, India.
• In-office expectation: 4 days a week.
• Shift timings: 1:30 PM to 10:30 PM.
• Posting end date: 17 Nov 2026.