Credit Risk Analytics Analyst (Credit Card)

Kadel Labs; Bhopal; Presencial; INR 1 200 000 - 2 100 000; Tempo integral

Resumo da oferta

Kadel Labs - Startup Studio is seeking a portfolio credit risk analyst to evaluate the US card portfolio across acquisitions, account management, and collections.

You will implement risk scorecards, validate models, and apply ML/AI techniques to derive insights for underwriting and policy impact, collaborating with cross-functional teams.

Qualificações

• Strong Python (scikit-learn, statistical modeling) and SQL proficiency.
• Understanding of US credit bureau attributes (FICO, Vantage, tradeline data) and card underwriting.
• Experience with credit risk modeling techniques (logistic regression, gradient boosting) preferred.

Responsabilidades

• Analyze portfolio performance: approval rates, line assignment, utilization, delinquency, roll rates, and charge-offs.
• Support development, monitoring, and validation of credit risk scorecards and underwriting criteria.
• Conduct segmentation, champion/challenger, and policy impact analyses.
• Apply ML/AI techniques to enhance risk models and analytical insights.

Conhecimentos

Python & SQL

Credit risk modeling

US credit bureau data

Descrição da oferta de emprego

At Kadel Labs - Startup Studio we built an ecosystem for early-stage founders to help them take their ideas to the next level. The ecosystem consists of in-house product teams, engineers, designers, data scientists, sales & marketing teams, legal experts, taxation, finance and operation heads. We aim to build a cohesive ecosystem, so that your startup runs as a full-fledged business from day 1!

Job Description

• Role Purpose: Perform portfolio credit risk analytics across the account lifecycle - acquisitions, account management, and collections - for the US card portfolio.
  
• Key Responsibilities
  • Analyze portfolio performance: approval rates, line assignment, utilization, delinquency, roll rates, and charge-offs
    
  • Support development, monitoring, and validation of credit risk scorecards and underwriting criteria
    
  • Conduct segmentation, champion/challenger, and policy impact analyses
    
  • Apply ML/AI techniques to enhance risk models and analytical insights
    
• Role-Specific Skills
  • Strong Python (scikit-learn, statistical modeling) and SQL
    
  • Understanding of US credit bureau attributes (FICO, Vantage, tradeline data) and card underwriting
    
  • Experience with credit risk modeling techniques (logistic regression, gradient boosting) preferred
    

Requirements

• US Credit Card Experience: Hands-on experience supporting US credit card portfolios (issuing side) - e.g., US bank, card issuer, fintech, or captive/GCC supporting a US card business
• Python / SQL: Strong proficiency in Python and/or SQL for data extraction, analysis, and automation
• AI / AI Agent Experience (3+ years): More than 3 years of experience working with AI - building or working with AI agents, LLM-based solutions, machine learning models, or AI-driven analytics in a professional setting
• Excel: Advanced Excel skills, including pivot tables, complex formulas, and building management-ready reports and dashboards
• Communication: Strong written and verbal English communication; ability to work with US-based stakeholders and overlap with US business hours as needed