Credit Risk Analyst

Job Summary We are looking for an experienced Credit Risk Strategy professional with 3+ years of experience in designing and optimizing underwriting strategies using bureau and thirdparty data. The ideal candidate will have hands-on experience in credit decisioning, portfolio performance analysis, and first-party fraud risk management Key Responsibilities :Underwriting Strategy & Credit Ris kDesign, implement, and optimize credit underwriting strategies across the customer lifecycle (originations, line management, renewals, etc.) using bureau and thirdparty data.Develop and refine credit decision rules, cut-offs, and segmentation strategies to balance growth, risk, and profitability.Analyze performance of existing strategies (vintages, cohorts, segments) and recommend data-driven enhancements.Use SQL and Python to extract, transform, and analyze large datasets from multiple internal, bureau, and thirdparty sources. Required Qualification s:Bachelor's or Master's degree in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, or a related quantitative field.36 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 thirdparty data sourcesStrong proficiency in:SQL advanced querying, joins, aggregations, performance tuning for large datasets.Python data manipulation (pandas), analysis, and basic modeling; 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. .