Manager - Risk Analytics

Tata Capital; Thane; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Tata Capital in India is seeking a senior risk analytics professional to monitor and optimize portfolio performance across Personal and Business loans. You will perform cohort analysis, scorecard validation, and risk framework recalibration with cross-functional teams.

The role requires postgraduate qualifications in statistics/economics/engineering, hands-on data modelling, and proficiency in Python and SQL to drive data-driven underwriting and risk decisions.

Qualifications

• Post graduate degree in Statistics/Mathematics/Economics/Engineering/MBA from premier institutes.
• Experience in scoring/data modelling and risk analytics.
• Strong statistical and analytical capabilities.

Responsibilities

• Monitor and analyze portfolio performance for Personal Loans and Business Loans, including delinquency trends and risk triggers.
• Conduct offer validation and performance analysis using Python, SQL, and data analytics tools to ensure optimal customer acquisition and portfolio quality.
• Evaluate alternative data sources, conduct POCs, and recommend data-driven strategies for credit underwriting and risk assessment.
• Track, measure, and assess the effectiveness of risk strategies, scorecards, and decisioning frameworks.
• Collaborate with Risk, Policy, Product, Business, and Data Science teams to calibrate risk models and constraints.
• Lead cross-functional Risk Analytics and Risk Transformation projects to achieve business objectives.
• Perform customer segmentation, cohort analysis, and testing to drive portfolio optimization.
• Support policy formulation and governance through data-backed insights and recommendations.
• Drive automation in portfolio monitoring, risk reporting, and analytics processes.

Skills

Data modelling

Machine learning

Delinquency analysis

Python

SQL

Logistic Regression

Segmentation

Forecasting

Optimization

Education

Post graduate degree in Statistics/Mathematics/Economics/Engineering/MBA

Tools

Python

SQL

Job description

Main Accountabilities

Qualifications Experience

• Post Graduate degree with a background in Statistics / Mathematics / Economics/ Engineering / MBA from premier institutes
• Experience of
• years in the field

Functional Competencies

• Hands on experience with scoring/data modelling
• Tools: Python SQL
• Statistical Techniques: Logistic Regression, Segmentation, Forecasting, Machine Learning Techniques, Optimization.

• Monitor and analyze portfolio performance for Personal Loans (PL) and Business Loans (BL) , including delinquency trends, vintage analysis, segment-wise performance, and risk triggers.
• Conduct offer validation and performance analysis using Python, SQL, and data analytics tools to ensure optimal customer acquisition and portfolio quality.
• Evaluate alternative and bureau-based data sources , conduct Proof of Concepts (POCs), and recommend data-driven strategies to enhance credit underwriting and risk assessment.
• Track, measure, and assess the effectiveness of implemented risk strategies, scorecards, underwriting rules, and portfolio management initiatives.
• Collaborate closely with Risk, Policy, Product, Business, and Data Science teams to evaluate, approve, implement, monitor, and periodically recalibrate risk models, scorecards, and decisioning frameworks based on portfolio performance.
• Lead and manage cross-functional Risk Analytics and Risk Transformation projects , ensuring timely implementation and achievement of business objectives.
• Perform customer segmentation, cohort analysis, champion-challenger testing, and strategy impact assessment to drive continuous portfolio optimization.
• Support policy formulation and risk governance through data-backed insights, analytics, and recommendations.
• Drive automation initiatives in portfolio monitoring, risk reporting, and analytical processes to improve efficiency and decision-making.

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