Hiring for- Analyst, Credit Strategy and Underwriting -BNGLR

Infosys BPM; Bengaluru; On-site; INR 1,600,000 - 2,200,000; Full time

Job summary

Infosys BPM Ltd. in Bengaluru is seeking an Analyst for Credit Strategy and Underwriting to design, test, and monitor credit strategies across lending products. You will translate application, bureau, and portfolio data into actionable insights for policy decisions.

The role emphasizes identifying data artefacts, validating results, and providing clear recommendations to improve approvals, losses, and revenue, with a strong focus on analytical rigor and data quality.

Qualifications

• Degree in a quantitative discipline or equivalent practical experience.
• 6-8 years in credit risk, credit strategy, underwriting analytics, or a quantitative role.
• Practical SQL skills for large tables with joins, aggregations, and window functions.
• Advanced Excel with pivot tables and scenario modelling.
• Knowledge of consumer credit concepts, bureau scores, delinquency buckets and vintage analysis.

Responsibilities

• Analyse application, bureau, and performance data to assess underwriting rules and credits.
• Size proposed credit policy changes on approval rate, expected loss, exposure, and revenue impact.
• Review declined and marginal populations to adjust strategy.
• Provide evidence base for periodic credit policy reviews.
• Design and read champion/challenger and A/B tests on credit strategies.
• Monitor tests in flight and flag early when results breach guardrails.
• Track vintage, roll-rate and early-delinquency performance of new strategies.
• Document test design, results, and recommendations for auditability.
• Build recurring portfolio reports: originations, delinquency by bucket, losses, risk indicators.
• Reconcile reporting to source data and explain variances.
• Automate recurring reports and produce concise readouts with conclusions.

Skills

SQL

Advanced Excel

Credit concepts

Analytical judgement

Written communication

Data interpretation

Education

Quantitative degree

Tools

Python

R

BI/Dashboarding tools

Job description

Greetings from Infosys BPM Ltd.

We are hiring for Analyst, Credit Strategy and Underwriting Domain for Bangalore.

Please find below Job Description for your reference:

• Job Location: Bengaluru
• Qualification: Any Degree(Full Time)
• Total years of Experience: 6-8 Years relevant experience
• Notice Period: Immediate to 15 Days Only
• Shift: Flexible to work for any shift
• Work From Office is mandatory.
• Type: Individual contributor, analytical mandate; not a queue-based or SLA.

Note:

we are looking for Credit Strategy and Analytics.

Role Summary:

The Analyst, Credit Strategy and Underwriting supports the design, testing, and monitoring of credit strategies across its lending and credit products. The role turns application, bureau, and portfolio data into analysis the credit strategy team can act on: how underwriting rules and limits are performing, where the portfolio is drifting, and what a proposed policy change would do to approvals, losses, and revenue before it goes live.

Most of the work is defined a recurring report, a requested cut of the data, a back-test of an existing rule. The value of the role sits in the rest: a result that looks too good, a segment moving against the portfolio, a shift in performance that could be real borrower behaviour or could be a data artefact.

The analyst is expected to notice these, test them, and say plainly what the data does and does not support. These are the cases the role exists to get right.

Credit policy, risk appetite, and strategy approvals remain. The analyst prepares the analysis and the recommendation.

Key Responsibilities:

Credit and Underwriting Analysis:

• Analyse application, bureau, and performance data to assess how underwriting rules, score cut-offs, and credit limits are performing against expectation.
• Size proposed credit policy and limit changes approval rate, expected loss, exposure, and revenue impact before they go forward for approval.
• Review declined and marginal populations to identify where the current strategy is too tight or too loose.
• Provide the evidence base for periodic credit policy reviews: what is working, what is not, and what should change.

Strategy Testing and Monitoring:

• Design and read out champion/challenger and A/B tests on credit strategies, with sample size, control group, and success criteria agreed before launch.
• Monitor tests in flight and flag early when results breach agreed guardrails.
• Track vintage, roll-rate, and early-delinquency performance on new strategies against the expected curve.
• Document test design, results, and recommendations so that decisions can be reconstructed and audited later.

Portfolio and Performance Reporting:

• Build and maintain recurring portfolio reporting: originations, utilisation, delinquency by bucket, losses, and key risk indicators.
• Reconcile reporting to source data and to finance figures, and explain variances rather than only reporting them.
• Automate recurring reports and remove manual spreadsheet steps wherever practical.
• Turn results into short written readouts that lead with the conclusion and the recommended action.

Analytical Rigour and Data Quality:

• Test any result that looks unusual before reporting it check for data issues, definition changes, or population shifts.
• Separate correlation from cause, and state the confidence behind each finding.
• Raise data quality gaps and inconsistent definitions with the data owner, with a proposed fix.
• Write SQL that is readable, commented, and reproducible by another analyst.

Experience & Qualifications:

Level and Tenure:

• Junior Associate / Senior Associate (ASA), 23 years.
• 6-8 years in credit risk, credit strategy, underwriting analytics, or a comparable quantitative role in financial services.
• Degree in a quantitative discipline (statistics, economics, mathematics, finance, engineering) or equivalent practical experience.

Required Skills and Experience:

• Practical SQL: able to independently write joins, aggregations, and window functions against large tables.
• Advanced Excel: pivot tables, lookups, and scenario models that another analyst can follow and audit.
• Working knowledge of consumer credit concepts bureau scores, delinquency buckets, vintage analysis, roll rates, and the approval/loss trade-off.
• Analytical judgement: able to explain how a conclusion was reached, what would change it, and where the data is weak. Assessed at interview through a case exercise.
• Clear written communication able to turn analysis into a short, specific recommendation for a non-technical reader.

Preferred:

• Python or R for data analysis.
• Experience with consumer lending products such as credit cards, lines of credit, instalment loans, or credit-builder products.
• Exposure to Canadian credit bureau data.
• Experience with a BI or dashboarding tool.
• Hands-on experience running champion/challenger tests.