Manager - Risk Analytics - Mumbai - Lodha (I-Think Techno Campus)

TATA Capital; Thane; On-site; INR 900,000 - 1,500,000; Full time

Job summary

TATA Capital in Thane, Maharashtra seeks a data-driven Risk Analytics professional to monitor portfolio performance for Personal and Business Loans, validate offers, and enhance underwriting through analytics. You will collaborate with risk, policy, product, business, and data science teams to recalibrate models and drive portfolio optimization.

Ideal candidate has a postgraduate degree in a quantitative field and 3-6 years of relevant experience, with strong skills in Python, SQL, and data

Qualifications

• Post graduate degree in Statistics / Mathematics / Economics / Engineering / MBA from premier institutes.
• Experience of 3-6 years in the field.

Responsibilities

• Monitor and analyze portfolio performance for Personal Loans and Business Loans, including delinquency trends and segment performance.
• Conduct offer validation and performance analysis using Python, SQL, and data analytics tools.
• Evaluate alternative and bureau data sources, conduct POCs, and recommend data-driven underwriting strategies.
• Track and assess effectiveness of risk strategies, scorecards, and underwriting rules.
• Collaborate with Risk, Policy, Product, Business, and Data Science teams to recalibrate risk models.

Skills

Python

SQL

Data analytics

Portfolio risk

Education

Post graduate degree in statistics / mathematics / economics / engineering / MBA

Tools

Python

SQL

Job description

Main Accountabilities

• 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 the 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.

Qualifications & Experience

• Post Graduate degree with a background in Statistics / Mathematics / Economics/ Engineering / MBA from premier institutes
• Experience of 3-6 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.