INSenior AssociateUnsecured RiskFST CaptivesAdvisoryGurgaon

Portfolio Monitoring & Risk Analysis

Track portfolio performance metrics including delinquency roll rates losses andutilization.

Perform trend vintage and cohort analysis toidentifyearly risk signals.

Support creation and maintenance of risk dashboards and MIS.

Acquisition & New Account Risk

Analyze performance of new account vintages by channel product and segment.

Monitor early delinquency and first-payment default trends.

Support evaluation of acquisition strategies to balance growth and risk.

Assist in evaluating approval rate vs loss trade-offs.

Participate in championchallenger analysis for policy and strategy updates.

Help document policy rationale and analytical findings.

Existing Customer Management (ECM) Responsibilities

Monitor existing customer credit risk performance across ECM levers including CLI CLD authorization controls and line management etc.

Perform segmentation trend and vintage analysis toidentifychanges in customer behavior and emerging risk signals.

Support analytics for risk-based ECM strategies to balance spend growth customer experience and credit losses.

Track post-implementation performance of ECM actions and highlight variances versus expectations.

Quantify riskreturn impact of ECM strategies including effects onutilization delinquency losses and attrition.

Assist in diagnosing portfolio performance changes and segment-level risk drivers.

Stakeholder Communication & Governance

Prepare clear structured presentations for senior analysts and managers.

Support documentation for risk governance and audit requirements.

Participate in regular risk review forums as an analytical contributor.

Appropriately assess risk when business decisions are made demonstrating consideration for the firms reputation and safeguarding client its clients and assets by driving compliance with applicable laws rules and regulations adhering to Policy applying sound ethical judgment regarding personal behavior conduct and business practices and escalating managing and reporting control issues with transparency.

Required Skills & Qualifications:

Experience & Education

1.54 years of experience in credit card risk analytics consumer lending or financial analytics.

Bachelors/Masters degree in business Statistics Finance Economics or related quantitative fields.

Technical Skills

Strong working knowledge of SQL/SAS; exposure to Python preferred.

Experience working with large datasets.

Experience with Tableau or PowerPoint for visualization and reporting.

Analytical & Business Skills

Understanding ofconsumer credit risk fundamentals.

Ability to interpret data and explain results clearly.

Structured thinking and attention to detail.

Problem-solving skills toidentify analyze and challenge basic problems.

Familiarity with data interpretation and ability to challenge decisions based on data analysis.

Ability to interpret data make sound decisions and challenge the basis of the analysis.

Soft Skills

Willingness to learn and take increasing ownership.

Ability to work collaboratively across teams.

Clear and concise written and verbal communication.

General Skills:

Basic understanding of various risk factors including stress testing collateral risk and volatility concentration risks liquidity andwrong wayrisk withdemonstratedexperience in reviewing these factors and challenging any discrepancies.

Adds value and contributes to the success of the team.

Ability to work with littledirection andin a team.

Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment.