Credit Risk

Lincoln Motor Company; Chennai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Lincoln Motor Company invites a qualified quantitative professional to develop and validate credit risk models and advance AI/ML-driven solutions. The role emphasizes translating modeling outputs into actionable business insights and presenting findings to stakeholders.

The ideal candidate holds a Master’s degree in a relevant field and demonstrates hands-on experience with GCP, SAS, R, and Python. Strong communication and teamwork are essential for global collaboration.

Qualifications

• Strong foundations in PD/LGD/EAD modeling.
• Experience with cloud-based analytics on GCP.
• Proven hands-on AI/ML in credit risk.
• Proficiency in Python, R and SAS.
• Excellent data analysis and visualization skills.
• Strong communication and teamwork.

Responsibilities

• Develop and validate credit risk models.
• Enhance AI/ML usage for better solutions.
• Build models using GCP, SAS, R, Python.
• Translate modeling results into insights.
• Prepare presentations and documentation for modeling.
• Collaborate with teams and support stakeholders.

Skills

Credit risk modeling

AI/ML applications

Python

R

SAS

GCP

Statistical techniques

Data visualization

Communication skills

Team collaboration

Education

Masters in Finance

Masters in Financial Engineering

Masters in Analytics

Masters in Mathematics

Masters in Statistics

Masters in Industrial Engineering

Masters in Operations Research

Masters in Computer Science

Tools

GCP

SAS

R

Python

Job description

Job Description:

• Develop and validate credit risk models

• Enhance the usage of Artificial Intelligence / ML and transform into more efficient solutions.

• Using GCP, SAS, R, Python, for model building and model validation

• Continual enhancement of statistical techniques and their applications in solving business objectives

• Compile and analyze the results from modeling output and translate into actionable insights

• Prepare PowerPoint presentations and document preparation for the entire credit risk modeling process

Responsibilities

• Collaborate, Support, Advise and Guide in development of the models

• Acquire and share deep knowledge of data utilized by the team and its business partners

• Participate in global conference calls and meetings as needed and manage multiple customer interfaces

• Execute analytics special studies and ad hoc analyses

• Evaluate new tools and technologies to improve analytical processes

• Set own priorities and timelines to accomplish projects (accountability for project deliverables)

Qualifications

• Masters in Finance, Financial Engineering, Analytics or Mathematics, Computer Science, Statistics, Industrial Engineering, Operations research, or related field.

• Good understanding of Probability of Default (PD), LGD and EAD modeling technique.

• Proven hand-on experience in Artificial Intelligence and extensive experience in GCP .

• Very good understanding of Predictive modeling techniques and their application.

• Knowledge of Credit life cycle

• Statistics and machine learning techniques.

• Conducted and applied statistical methodologies including linear regression, logistic regression, ANOVA/ANCOVA, CHAID/CART, cluster analysis

• Team player and collaboration skills.

• Programming skills in GCP, R, SAS, and PYTHON.

• Fluency with Excel, PowerPoint and Word

• Strong written and oral presentation / communication skills – must have the ability to convey complex information simply and clearly

• Experience with developing and implementing cloud based analytical solutions in GCP or similar set up.

• Masters in Mathematics/Statistics/Economics/Engineering or any other related discipline or a track record of performance that demonstrate this ability

• Practical applications of mathematical modeling and Artificial Intelligence