Credit Risk Analyst

Straive; Bengaluru; On-site; INR 1,500,000 - 2,600,000; Full time

Job summary

Straive seeks an experienced Credit Risk Strategy professional with 3+ years of experience to design and optimize underwriting strategies using bureau and third‑party data. You will work on credit decisioning, portfolio performance analysis, and first‑party fraud risk management across the customer lifecycle.

The role involves developing rules, performing data‑driven analyses, and collaborating with stakeholders to balance growth and risk. Strong SQL and Python skills are required.

Qualifications

• Bachelor’s or Master’s degree in finance or a quantitative field.
• 3–6 years of hands‑on experience in credit risk / underwriting strategy.
• Experience designing and implementing underwriting strategies using credit bureau data and third‑party data.
• Strong SQL and Python for data extraction, manipulation, and analysis.

Responsibilities

• Design, implement, and optimize credit underwriting strategies across the customer lifecycle using bureau and third‑party data.
• Develop and refine credit decision rules, cut‑offs, and segmentation strategies to balance growth, risk, and profitability.
• Analyze performance of existing strategies (vintages, cohorts, segments) and suggest data‑driven enhancements.
• Use SQL and Python to extract, transform, and analyze large datasets from multiple sources.

Skills

Underwriting strategy

Credit risk

Credit decisioning

Portfolio performance analysis

First-party fraud risk management

SQL

Python

Communication

Data analysis

Education

Finance / Economics / Statistics / Mathematics / CS / Engineering degree

Tools

SQL

Python

Job description

We are looking for an experienced Credit Risk Strategy professional with 3+ years of experience in designing and optimizing underwriting strategies using bureau and third‑party data. The ideal candidate will have hands‑on experience in credit decisioning, portfolio performance analysis, and first‑party fraud risk management

Key Responsibilities

:Underwriting Strategy & Credit Ris

• kDesign, implement, and optimize credit underwriting strategies across the customer lifecycle (originations, line management, renewals, etc.) using bureau and third‑party data
• .Develop and refine credit decision rules, cut‑offs, and segmentation strategies to balance growth, risk, and profitability
• .Analyze performance of existing strategies (vintages, cohorts, segments) and recommend data‑driven enhancements
• .Use SQL and Python to extract, transform, and analyze large datasets from multiple internal, bureau, and third‑party sources

.Required Qualification

• s:Bachelor’s or Master’s degree in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, or a related quantitative fiel
• d.3–6 years of hands‑on experience in credit risk / underwriting strategy within banking, NBFC, fintech, or credit risk consultin
• g.Demonstrated experience in designing and implementing underwriting strategiees using credit bureau data (e.g., CIBIL, Experian, Equifax, CRIF) and third‑party data sourc
• n:SQL – advanced querying, joins, aggregations, performance tuning for large dataset
• s.Python – data manipulation (pandas), analysis, and basic modeling; ability to productionize or hand over code to engineering team
• s.Strong analytical and problem‑solving skills with the ability to translate data insights into actionable strategie
• s.Excellent communication skills with the ability to present complex analyses and recommendations to non‑technical stakeholder