EXL Analytics Hiring for Credit Risk Strategy at   Gurgaon Full Time

Role Details: The role is expected to use analytical tools to identify opportunities to grow overall assets as well as manage risk. It involves managing risk management framework across customer lifecycle – acquisition, portfolio management and collections, across retail lending products.

Responsibilities :

· Design, analyze, monitor credit risk strategies for different loan products such as personal loans, auto loans, etc.

· Identify the opportunity areas for portfolio growth and pro-actively communicate with stakeholders

· Collaborate across other risk functions (example – technology, product, etc.) to implement the analytical decisions

· Understand existing underwriting rules, strategies and replicate them in business rules using SAS/SQL

· Design and analyze income, employment, fraud verification strategies

· Develop, maintain and improve risk policies, strategies, processes and procedures within the assigned function

· Utilize application, bank and bureau information to derive business insights

· KPI generation, tracking of risk and delinquency metrics for portfolios using SQL/Tableau

· Revamp pricing strategy changes and launch A/B test to monitor impact and performance of the change

· Set up the process to run eligibility conditions for marketing campaigns such as cross – sell, etc.

Requirements :

· Knowledge of and certifications in programming, SAS/SQL/Python

· Knowledge of best practices in coding, data manipulation and creating re-usable artifacts

· Knowledge of Banking / Financial Services Industry with preference in lending space (Personal Loans, Credit Cards, Auto loans etc.)

· Ability to create recommendations and insights from data for developing risk strategy

· Experience with creating and utilizing credit risk datamarts using internal and third party data (Experian, FICO, etc.)

· Ability to design the right KPIs for measuring strategy success

· Understanding of various elements of risk strategy, such as eligibility, verification, fraud and decline criteria

· Ability to communicate and present the results to business stakeholders

Good knowledge of designing, implementing, and measuring statistically valid experiments (mainly A/B tests)