Credit Analytics Manager Job at Revolut technologies India Pvt Ltd

Revolut is hiring for the role of Credit Analytics Manager!

Responsibilities of the Candidate:

• Managing portfolios within risk appetite
• Optimising credit strategies on an ongoing basis (new originations, existing customer management, arrears management) to maximise portfolio risk adjusted returns
• Supporting the development of credit strategies to launch new products by conducting in-market tests to define the right product market fit, target customer segments
• Forecasting and external data gathering
• Improving the automated credit decisioning capabilities
• Designing, deploying, and analysing champion-challenger strategies across the credit lifecycle
• Building and deploying analytical tools for use by the local credit teams
• Ensuring approval and good rating of first line credit risk function from second line, third line, and regulators
• Selecting and onboarding new data suppliers

Requirements:

• Proven experience in credit risk management of unsecured retail credit portfolios (credit origination, credit limit management, risk based pricing, retention strategies, etc.)
• Impressive experience in making data-driven decisions
• Proven experience working with large datasets using Python (Pandas)
• A bachelor's degree (or higher) in a quantitative/analytical subject like maths, engineering, physics, or computer science from a top university
• The ability to extract the essence from complex matters and explain it simply
• Fluency in English
• A solid understanding of credit policy governance framework and the ability to work through the 2nd/3rd line of defence in a competent manner
• The ability to plan appropriately to meet multiple objectives
• Forward thinking on inter-dependencies to proactively identify and resolve issues
• An understanding of the value of speed to market and ability to balance between elegant problem solving and business need of the hour
• An understanding of credit scoring models for retail credit products