Credit Risk Strategy Analyst

We are looking for an experienced Credit Risk Strategy professional with 3+ years of experience in designing and optimising underwriting strategies using bureau and third-party data. The ideal candidate will have hands-on experience in credit decisioning, portfolio performance analysis, and first-party fraud risk management

The candidate will have responsibilities across the following functions:

Underwriting Strategy and Credit Risk:

• Design, implement, and optimise credit underwriting strategies across the customer lifecycle (originations, line management, renewals, etc. ) using bureau and third-party data.
• Develop and refine credit decision rules, cut-offs, and segmentation strategies to balance growth, risk, and profitability.
• Analyse performance of existing strategies (vintages, cohorts, segments) and recommend data-driven enhancements.
• Use SQL and Python to extract, transform, and analyse large datasets from multiple internal, bureau, and third-party sources.

Fraud Risk (First-Party Focus):

• Identify and analyse first-party fraud patterns and behaviours across the credit lifecycle.
• Design and implement rules, flags, and strategies to detect and prevent first-party fraud while minimising impact on genuine customers.
• Partner with operations, collections, and product teams to refine fraud controls and feedback loops.

Requirements:

• Bachelor's or Master's degree in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, or a related quantitative field.
• 3-6 years of hands-on experience in credit risk/underwriting strategy within banking, NBFC, fintech, or credit risk consulting.
• Demonstrated experience in designing and implementing underwriting strategies using credit bureau data (e. g., CIBIL, Experian, Equifax, CRIF) and third-party data sources.

Strong proficiency in:

• SQL - advanced querying, joins, aggregations, performance tuning for large datasets.
• Python - data manipulation (pandas), analysis, and basic modelling; ability to productionize or hand over code to engineering teams.
• Strong analytical and problem-solving skills with the ability to translate data insights into actionable strategies.
• Excellent communication skills with the ability to present complex analyses and recommendations to non-technical stakeholders.

Skills

decisioning, python, sql, underwriting