{"id":3214737,"url":"https://alion.io/job/straive-credit-risk-strategy-analyst","title":"Credit Risk Strategy Analyst","company":{"id":1040311,"name":"Straive","domain":"straive.com","url":"https://alion.io/company/straive-2","size_band":"201-500","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":null,"truth_index":null},"role":"Finance","role_family":"Finance","seniority":"middle","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Bengaluru, India","Gurgaon, India","Hyderabad, India"],"countries":["IN"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":8500,"max_usd":20000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":13},"experience_years_min":3,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Python","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-10-24T20:36:30Z","employer_posted_date":null,"last_verified_at":"2026-10-24T20:36:30Z","board_verified":false,"closed_at":null,"days_open":1,"trust":{"level":"not_scored","repost_count":null,"flags":[],"days_open":1},"description":"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\n\nThe candidate will have responsibilities across the following functions: \n\nUnderwriting Strategy and Credit Risk: \nDesign, implement, and optimise credit underwriting strategies across the customer lifecycle (originations, line management, renewals, etc. ) using bureau and third-party data.\nDevelop and refine credit decision rules, cut-offs, and segmentation strategies to balance growth, risk, and profitability.\nAnalyse performance of existing strategies (vintages, cohorts, segments) and recommend data-driven enhancements.\nUse SQL and Python to extract, transform, and analyse large datasets from multiple internal, bureau, and third-party sources.\n\nFraud Risk (First-Party Focus): \nIdentify and analyse first-party fraud patterns and behaviours across the credit lifecycle.\nDesign and implement rules, flags, and strategies to detect and prevent first-party fraud while minimising impact on genuine customers.\nPartner with operations, collections, and product teams to refine fraud controls and feedback loops.\n\nRequirements: \nBachelor's or Master's degree in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, or a related quantitative field.\n3-6 years of hands-on experience in credit risk/underwriting strategy within banking, NBFC, fintech, or credit risk consulting.\nDemonstrated experience in designing and implementing underwriting strategies using credit bureau data (e. g., CIBIL, Experian, Equifax, CRIF) and third-party data sources.\n\nStrong proficiency in: \nSQL - advanced querying, joins, aggregations, performance tuning for large datasets.\nPython - data manipulation (pandas), analysis, and basic modelling; ability to productionize or hand over code to engineering teams.\nStrong analytical and problem-solving skills with the ability to translate data insights into actionable strategies.\nExcellent communication skills with the ability to present complex analyses and recommendations to non-technical stakeholders.\nSkills\ndecisioning, python, sql, underwriting","description_format":"text","description_chars":2336,"description_truncated":false,"requirements":{"experience_years_min":3,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Artificial Intelligence","Data & Analytics","E-learning","Data Entry & Processing"],"lifecycle":[{"event":"open","at":"2026-10-24T20:36:30Z"}],"visa":[],"liveness":{"score":90,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.903,"p_room":1,"age_days":1,"expected_fill_days":30,"reasons":["seen:1","velocity","win:early"],"computed_at":"2026-10-26T05:57:25Z"},"pay":null,"html_url":"https://alion.io/job/straive-credit-risk-strategy-analyst","json_url":"https://alion.io/job/straive-credit-risk-strategy-analyst.json","meta":{"generated_at":"2026-10-26T18:43:04Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":25092,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-27T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":1040311},"rest":"https://alion.io/mcp/rest/get_company?id=1040311"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fstraive-credit-risk-strategy-analyst"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fstraive-credit-risk-strategy-analyst"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fstraive-credit-risk-strategy-analyst"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/straive-credit-risk-strategy-analyst\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fstraive-credit-risk-strategy-analyst"}]}