About the role
The role will support the analysis, development and optimization of credit policies and strategies, with a focus on underwriting, credit line / loan amount assignment, and risk-based pricing. The individual will use analytical tools and data-driven insights to identify opportunities for profitable portfolio growth while effectively managing credit risk across the customer lifecycle.
- Assist in the analysis, development and monitoring of credit policies, including underwriting, line assignment and pricing strategies.
- Analyze credit and portfolio data to identify opportunities for risk-adjusted growth and recommend policy changes.
- Develop and optimize underwriting criteria, credit line assignment and risk-based pricing strategies.
- Evaluate the impact of credit policy changes through portfolio analysis, scenario testing and experiments.
- Translate credit policies and strategies into business rules using SQL and Python.
- Monitor key credit risk and business performance metrics and proactively identify emerging trends.
- Collaborate with Risk, Product, Technology and Operations teams to implement credit policy changes.
- Strong analytical skills with hands-on experience in SQL; working knowledge of Python preferred.
- Experience in credit risk strategy, credit policy, underwriting or portfolio analytics within Banking / Financial Services.
- Good understanding of credit underwriting, line assignment / credit limit strategies and risk-based pricing.
- Ability to analyze customer, application, bureau and portfolio data to identify trends and develop credit policy recommendations.
- Experience in evaluating the impact of policy changes on approval rates, credit losses, profitability and portfolio growth.
- Understanding of credit risk concepts such as eligibility criteria, risk segmentation, cut-offs, affordability, exposure management and pricing.
- Ability to define and monitor relevant risk and business KPIs to measure strategy performance.
- Experience with strategy testing, scenario analysis and A/B testing is preferred.
- Knowledge of external credit data sources such as credit bureaus, FICO or similar third-party data is preferred.
- Strong problem-solving skills with the ability to translate analytical findings into actionable business recommendations.
- Ability to communicate and present analyses and recommendations effectively to business and risk stakeholders.
- Knowledge of coding best practices, data manipulation and development of reusable analytical frameworks.
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