Kadel Labs

The Corporate Institute; India; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Kadel Labs in India seeks an experienced Loss Forecasting & Credit Strategy Analyst to support loss forecasting, reserve analytics, and credit strategy for a US credit card portfolio. The candidate should combine strong analytical and technical skills with deep credit risk knowledge.

The role requires 5-10 years in Credit Risk or related analytics, with hands-on experience in US credit card portfolios and proficiency in Python/SQL for forecasting and data analysis.

Responsibilities

• Build and maintain loss forecasting models using roll-rate, vintage, and CECL-aligned methodologies.
• Develop baseline and stress-scenario forecasts and analyze forecast vs. actual variances.
• Develop and evaluate credit strategies across line management, authorization, and collections.
• Assess the P&L, credit risk, and loss impact of proposed strategies.
• Apply AI/ML techniques to improve forecasting accuracy and scenario analysis.
• Translate analytical insights into actionable credit strategy recommendations for senior stakeholders.
• Collaborate with business, risk, finance, and technology teams.

Job description

About Us:

Kadel Labs is a leading IT services company delivering top-quality technology solutions since 2017, focused on enhancing business operations and productivity through tailored, scalable, and future-ready solutions. With deep domain expertise and a commitment to innovation, we help businesses stay ahead of technological trends. As a CMMI Level 3 and ISO 27001:2022 certified company, we ensure best-in-class process maturity and information security, enabling organizations to achieve their digital transformation goals with confidence and efficiency.

Job Title: Loss Forecasting & Credit Strategy Analyst (Credit Card)

Experience: 5-10 Years

Location: Jaipur, Udaipur, Bhopal & Bangalore

About the Role:

We are looking for an experienced Loss Forecasting & Credit Strategy Analyst to support loss forecasting, reserve analytics, and credit strategy development for a US credit card portfolio. The ideal candidate will combine strong analytical and technical skills with a solid understanding of credit risk and card portfolio dynamics.

Key Responsibilities:

• Build and maintain loss forecasting models using roll-rate, vintage, and CECL-aligned methodologies.
• Develop baseline and stress-scenario forecasts and analyze forecast vs. actual variances.
• Develop and evaluate credit strategies across line management, authorization, and collections.
• Assess the P&L, credit risk, and loss impact of proposed strategies.
• Apply AI/ML techniques to improve forecasting accuracy and scenario analysis.
• Translate analytical insights into actionable credit strategy recommendations for senior stakeholders.
• Collaborate with business, risk, finance, and technology teams.

Requirements:

• 5-10 years of experience in Credit Risk, Loss Forecasting, Credit Strategy, or related analytics roles.
• Hands-on experience with US credit card portfolios on the issuing side US bank, card issuer, fintech, or GCC/captive supporting a US card business.
• Strong proficiency in Python and SQL for forecasting, data analysis, and scenario modelling.
• Working knowledge of CECL, stress testing, and reserve concepts; CCAR/DFAST exposure is an advantage.
• Experience applying AI/ML to forecasting, credit risk, or analytics is preferred.
• Strong Advanced Excel skills, including pivot tables, complex formulas, dashboards, and management reporting.
• Excellent communication skills with the ability to work with US-based stakeholders and provide US business-hour overlap when required.

Benefits:

Visit us:

• https://kadellabs.com/
• https://in.linkedin.com/company/kadel-labs
• https://www.glassdoor.co.in/Overview/Working-at-Kadel-Labs-EI_IE4991279.11,21.html