BFS_Credit Risk Senior Analyst

Bangalore, Hyderabad, Chennai, Gurgaon

Job Description

About the role:

Tiger Analytics is looking for “Credit Risk Senior Analyst” a highly analytical and results-driven professional to join our Banking and Financial Services practice supporting credit risk analytics for the Credit Card business. The role will focus on developing, monitoring, and optimizing credit risk strategies across the customer lifecycle (origination, underwriting, and portfolio management) to drive portfolio growth, risk optimization, and profitability. This position requires strong domain expertise in lending/credit risk, advanced analytical capabilities, and hands-on technical proficiency.

Location:

Hyderabad, Chennai, Bangalore, Gurgaon

Job Requirement

Responsibilities

Key Responsibilities:

1. Develop, enhance, and monitor credit risk strategies to optimize risk-reward trade-offs

2. Monitor origination and portfolio performance, identify deviations from expectations, and recommend strategic adjustments

3. Analyse customer lifecycle behavior to drive underwriting and portfolio strategy enhancements

4. Design and refine decision rules, cut-offs, and policy frameworks

5. Partner with cross-functional stakeholders across Risk, Product, and Operations

6. Present insights and recommendations to senior stakeholders

Domain Expectations

Strong expertise in Credit Risk Analytics within Lending / Credit Card portfolios
Experience in credit strategy development, underwriting strategy, and portfolio monitoring
Understanding of risk metrics such as approval rates, delinquency, loss rates, vintage analysis, profitability metrics
Exposure to lifecycle risk management including acquisition, line management, and portfolio actions

Analytical Expectations

Strong quantitative and problem-solving skills
Experience analysing portfolio performance and diagnosing strategy gaps
Ability to translate complex analytical findings into actionable business recommendations
Strategic thinking with focus on balancing growth and risk

Technical Skills (Must Have)

Strong hands-on experience in Python
Advanced SQL skills for data extraction and manipulation
Experience working with large, structured datasets
Experience with data visualization tools (e.g., Tableau)

Qualifications

Bachelor’s degree in Statistics, Mathematics, Economics, Engineering, Finance, or related quantitative field
Advanced degree preferred
4+ years of experience in quantitative analytics with strong exposure to credit/lending domain

Behavioural Competencies

Strong ownership mindset and accountability
High intellectual curiosity and analytical rigor
Excellent communication and stakeholder management skills
Ability to influence cross-functional teams and senior leadership