Risk Analytics Consultant (P2)/ Assistant Vice President

Overview

Individual contributor role supporting the Decision Science Strategy Validation team for unsecured consumer lending products (Cards, Co-Brand, Retail Services, Personal Loans, Flex Loan), validating business rules and strategies in decision engines.

What you'll do

• Validate business rules and strategies using functional testing, user acceptance testing and regression testing.
• Provide analytics to help improve efficiency and effectiveness.
• Partner with the US team and India team to identify opportunities to optimize existing processes with zero defect leakage in assigned tasks.
• Understand business requirements for complex business rules.
• Support new product launches and BAU releases.
• Participate in less complex analysis and modeling initiatives, and identify opportunities for process production, data reconciliation and model documentation improvements within Risk Management.
• Review and analyze programming models to extract data and manipulate databases to provide statistical and financial modeling, and exercise independent judgment to guide new and existing projects with medium risk deliverables.
• Coordinate and consolidate the production of monthly, quarterly and annual performance reports for more experienced management.
• Present recommendations for resolving data reconciliation, production and database issues.
• Exercise independent judgment while developing expertise in policy governance, risk projects and regulatory requests.
• Collaborate and consult with peers, managers, experienced managers, compliance and various lines of business.

What you'll need

• 2+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
• Bachelor's degree in engineering, Technology, Mathematics, Econometrics, Computer Science, or related fields.
• 2+ years of experience in credit risk analytics (unsecured lending).
• Strong hands-on experience with SAS and SQL for data analysis, validation and testing.
• Experience with data warehouses/databases (Teradata, Oracle, SQL Server, DB2).
• Understanding of testing methodologies, system architecture and data integration frameworks.
• Understanding of credit card and personal loan lifecycle.
• Knowledge of credit risk strategies, segmentation, scorecards and decisioning frameworks.
• Familiarity with unsecured lending policies and regulatory considerations.

Nice to have

• Work with decision systems (Zoot Webrule Builder, FICO DMP, Experian PowerCurve) to implement, validate and monitor strategies across the unsecured lending lifecycle (Acquisition, Portfolio, Collections).
• Perform end-to-end testing (Unit, SIT, UAT, Regression) and validation using SAS/SQL frameworks to ensure strategy accuracy and system integrity.
• Manage UAT and Production deployments, including post-production monitoring, validation and issue resolution.
• Analyze data flows, source systems (SOR) and Risk DataMarts, ensuring accuracy and alignment with business requirements.
• Develop automation solutions (VB Script, Selenium/UFT, UNIX shell scripting) to improve efficiency and reduce manual effort.
• Participate in Agile processes, contributing to sprint planning, execution and continuous improvement.
• Provide technical guidance, stakeholder communication and thought leadership to drive innovation and team effectiveness.
• Exposure to automation tools/scripts (VB Script, Selenium, UFT, UNIX Shell scripting).
• Ability to write and work with Python for data analysis and automation.
• Hands-on exposure to GenAI and Agentic AI use cases, including applying AI-driven solutions in analytics or decisioning workflow.

Details

• Location: Hyderabad, India.
• Posting end date: 6 Nov 2026.