Credit Risk Modeler

Tata Consultancy Services; Bengaluru, Mumbai; On-site; INR 900,000 - 1,700,000; Full time

Job summary

Tata Consultancy Services in Bengaluru invites an experienced credit risk analytics professional to drive data-driven decision making. You will build and validate risk models, develop scorecards, and apply advanced statistical techniques on customer data, ensuring rigorous analytics in day-to-day operations.

The role emphasizes technical leadership, stakeholder communication, and collaboration with business partners to deliver timely insights while upholding governance and best practices in risk

Qualifications

• Experience extracting, manipulating, and drawing insight from data.
• Experience in designing, developing, and validating credit risk models.
• Strong knowledge of banking credit risk principles.
• Excellent communication and project management skills.
• Ability to lead and coach junior analysts.

Responsibilities

• Provide analytical support for modelling tasks and projects.
• Work independently on analytical tasks including model monitoring reports and validations.
• Support initiatives across decision science.
• Communicate analysis clearly to stakeholders and deliver on plans and timelines.
• Take ownership and provide technical leadership to junior analysts.
• Support model implementation and testing.
• Comply with policies and apply best practices.
• Deputise for manager when required.

Skills

Statistical techniques

Data analysis

Model development

Stakeholder communication

Technical leadership

Education

Quantitative degree

Tools

Excel

SAS

SQL

Job description

Role & responsibilities

Very good knowledge of statistical techniques such as clustering, segmentation, ranking, correlation, or regression etc.

Use sophisticated statistical techniques to develop scorecards, customer segmentation schemes, profiles, and other analytically based tools in day-to-day operations.

Ability to recognizing information and patterns in data that are not obvious, and focusing analytical efforts in pursuit of explanations, isolations of cause and effect.

Accountabilities:

• Provide analytical support for different types of modelling tasks and projects, including model developments.
• Work independently on variety of analytical tasks and projects during the production of model monitoring report, validations, and collaborations.
• Work on projects to support initiative across decision science.
• Work and build wrap rapport with business contacts, communicating analysis clearly and delivering out to agreed plans and time scales.
• Take ownership and provides technical leadership to more junior analysts in the team.
• Support model implementation and testing.
• Comply with policies and apply best practises to all aspects of work.
• Deputise for manager when required.

Act in line with the groups value and behaviours

Preferred candidate profile

• Degree with quantitative content or equal skills derived from experience.
• Experience extracting, manipulating, and drawing insight from the data
• Experience of working on design, development, and validation of credit risk models
• excel SAS, SQL, or similar experience
• demonstrates initiative and problem-solving skills
• good organisational and project management skills and ability to deliver tasks and project to deadlines
• good written and verbal communication and presentation skills and ability to build report with the stakeholders to suggest the solution and communicate the impacts
• good knowledge of the fundamental principles of banking credit Risk management and economics
• technical leadership and coaching
• practical application of statistical modelling techniques and technical methods

Experience of building and maintaining stakeholder relationships