Risk Analyst Junior+/ Middle [Credit Card]
Core
Manage credit risk and drive profitability across the credit card portfolio by designing risk decision-making processes, underwriting strategies, and collections strategies.
Role type
Junior/Middle Risk Analyst (Credit Card)
Builds
Risk decision-making processes, NPV models, and analytical frameworks for scalable reporting.
Domain
Financial Services / Credit Card Risk / Retail Lending
Deliverable
production ML models | dashboards & analysis
Required skills
SQL, Python or R, mathematical statistics, probability theory, basic machine learning concepts, hypothesis testing
Preferred skills
Retail risk management principles (adverse selection, vintage analysis), unit economics of credit cards, advanced machine learning concepts, BI tools (Tableau, Power BI, Looker)
Responsibilities
Manage and improve credit card risk strategy and limit policies using ML & AI models; Develop and manage Net Present Value (NPV) models; Interact with business departments on product conditions and acquisition channel profitability; Design, test, and validate hypotheses to understand process dependencies; Develop analytical frameworks for comprehensive reporting.
Seniority
Junior/Middle, hands-on IC