Senior Credit Risk Specialist (001995)
Core
Lead complex credit risk initiatives for credit card originations and credit line assignment strategies, analyzing large-scale consumer lending data to monitor performance, detect risks, and optimize portfolio profitability.
Role type
Senior Credit Risk Specialist (Analytics & Strategy)
Builds
Credit decision strategies, risk mitigation actions, and management information system (MIS) reports for consumer lending portfolios.
Domain
Consumer Finance / Credit Risk Analytics
Deliverable
production ML models | dashboards & analysis
Required skills
Python, SAS, SQL, statistical analysis, predictive modeling, machine learning, credit risk management, underwriting, loss forecasting, portfolio monitoring, P&L analysis, data mining
Preferred skills
Experience in credit card or unsecured lending originations, translating quantitative analyses into business insights
Technologies
Python, SAS, SQL, databases
Responsibilities
Identify and implement risk mitigation actions for credit line assignments; analyze large-scale consumer lending data to detect emerging risks; perform root cause analysis on credit performance metrics; develop and evaluate credit risk strategies using statistical analysis and predictive modeling; collaborate with cross-functional teams to design credit decision strategies; assess business and technical processes for inefficiencies; communicate risk insights to senior management; support design and validation of credit decision engines; evaluate profitability drivers (acquisition, utilization, loss metrics); prepare and maintain MIS reports for governance.
Seniority
Senior, hands-on IC
