Credit Modelling Manager

SBI Payment Services Pvt. Ltd.; Gurugram District; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

SBI Card seeks a Manager - Credit Modelling to lead development and maintenance of collection scorecards, segmentation for portfolio interventions, and scoring strategies for transaction-level inputs.

The role oversees deployment of credit and fraud decision engines, ensuring model performance and reliability across the risk framework. Strong analytics and big data tool experience are essential.

Qualifications

• Master's degree in related field is required.
• Strong knowledge of credit risk modelling and analytics.
• Experience with big data tools and programming languages.

Responsibilities

• Develop customized collection scorecards for each delinquency stage.
• Develop self-cure models for customized collection interventions.
• Create micro-segments for portfolio interventions to maintain acquisition quality.
• Build transaction-level scorecards for input to authorization strategy.
• Develop application fraud prevention scorecard.
• Develop propensity models for hardship programs.
• Develop acquisition scorecards for assigned segments.
• Develop behavior scorecards for assigned segments.
• Maintain inventory of allocated models and deploy them in engines or data lake.

Skills

Big Data

R

Python

SAS

Hadoop

Education

Master's degree in related field

Job description

Manager - Credit Modelling

About Us SBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI Card, the motto 'Make Life Simple' inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone. SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, colour, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work. Join us to shape the future of digital payment in India and unlock your full potential.

What's in it for YOU SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees Admirable work deserves to be rewarded. We have a well-curated bouquet of rewards and recognition program for the employees Dynamic, Inclusive and Diverse team culture Gender Neutral Policy Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits Commitment to the overall development of an employee through a comprehensive learning & development framework.

Role Purpose

To develop and maintain collection scorecards, segments for portfolio intervention, and transaction-level authorization strategies and oversee implementation of credit & fraud decision engine deployment for the organization.

Role Accountability

• Develop customized collection scorecards for each assigned delinquency stage
• Develop self-cure models for customized collection interventions & cost control
• Develop micro-segments for effective portfolio interventions & to maintain acquisition quality
• Develop transaction-level scorecards as input to the authorization strategy and cross-sell qualification
• Develop application fraud prevention scorecard
• Develop propensity models for offering hardship programs
• Develop customized acquisition scorecards for assigned segments.
• Develop customized behavior scorecards for each assigned segment.
• Maintain inventory of assigned models
• Automate & ensure model deployment either in credit & fraud decision engines or turbine/data lake

Measures of Success

• Ensure the timely development of the models as per plan
• Model efficacy in terms of consistency & reliability KS, Gini - Model performance metrics
• PSI - Model stability metric
• Out of time validation
• Process Adherence as per MOU

Technical Skills / Experience / Certifications

• Good knowledge of Big Data/R/Python/SaS/Hadoop
• Competencies critical to the role
• Analytical ability and problem solving

Qualification

• Master's degree in related field
• Preferred Industry FSI / Any Experience Level Mid Level