Job Title

Dear Candidate:Overview:We are seeking a highly analytical and detail-oriented professional to join our Credit Risk Strategy team. The Risk Strategy Specialist will be responsible for developing data-driven strategies and policies to enhance risk management, evaluate framework effectiveness, manage subject specific dashboards and mentor team members. This role requires strong analytical skills, proficiency in data tools, and a deep understanding of consumer banking products and credit risk.Responsibilities:- Drive tactical and strategic risk analytics for US bank Risk teams. - Develop risk policies for POS lending, BNPL, and credit cards. - Develop and implement comprehensive credit risk strategies to manage and mitigate risk across various credit products. - Design A/B testing frameworks using DOE to enhance risk management. - Lead the development of new rules and strategy by leveraging the existing data, managing the campaigns/monthly/ad-hoc dashboards, analyzing the trends and performing ad-hoc analysis. - Perform policy analytics to ensure accurate customer targeting. Recommend improvements to business strategies and risk policies across acquisition and collections. - Evaluate policy effectiveness, manage dashboards, and analyze performance metrics. - Collaborate with cross-functional Risk Management teams. Summarize and report insights to senior leadership. - Maintain strong credit risk knowledge. - Manage projects with accuracy and timely delivery. - Mentor and develop team members.Qualifications:- Educational Background: A degree in Statistics, Mathematics, Computer Science, or a related field. (IIT/NIT preferred) - Industry Experience: 8+ years of proven experience in credit risk and analytics role within banking, fintech, or financial services. Excellent team management and client-facing skills. - Technical Skills: Strong proficiency in SAS/Python and SQL. Hands-on experience with Tableau/ Power BI, Excel and PowerPoint. - Analytical Skills: Strong analytical and problem-solving skills. Past experience in statistical analysis and knowledge of banking products. - Excellent understanding of credit risk principles, regulatory requirements, and industry best practices. - Communication Skills: Strong communication and interpersonal skills, with the ability to collaborate effectively with stakeholders at all levels and types (technical/non-technical). Leadership experience with a track record of managing and developing high-performing teams. - Location: Gurgaon/BangaloreThanks,Bhavika