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WNS - Credit Risk Analyst (5-7 yrs)

5-7 years

WNS - Credit Risk Analyst (5-7 yrs)

WNS

posted 1mon ago

Job Role Insights

Flexible timing

Job Description

Principal Duties and Responsibilities.

- Consumer lending Portfolio Management - developing, & implementing Collection Strategy, Pricing Analytics for retail point of sale business.

- Data management skills ability to write/ analyze complex and efficient queries in SQL, in depth knowledge of python/R/SAS (data science) to pull and analyze data.

- Utilize advanced statistical techniques (CHAID, cluster analysis, regression, etc. ) & software such as Python, SQL to develop credit segmentation, predictive models and/or strategies to support business decisions.

- Adept in interacting and collaborating with business partners like Operations, Servicing team to drive the goal lower losses.

- Use Quantitative analysis to evaluate customer lifetime value, pricing sensitivity, ROI/IRR, unit profitability.

- Analyzing complex & unstructured data and building statistical model & scorecard, both machine learning and logistic model to be used in credit underwriting, collection, portfolio analytics, etc.

- In depth knowledge of Credit P&L; build robust roll rate, vintage & portfolio loss forecast model.

Good understanding of Collection Operations like capacity planning, best time to call, and managing collection vendors and collectors.

- Experience in Loan Servicing platform/software (Nortridge Loan System) and dialer system (Genesys Cloud).

- Skillful in Power BI Reporting, producing & understanding metrics like roll rate, cure rate, right-party-contact, promise-to-pay, delinquency bucket/aging, etc.

- Experience and Education - Preferred Bachelor's/master's degree in related field (Finance, Accounting, Math, Engineering or Business Degree) , consumer credit/retail portfolio and collection management, data analyst, and modeling experience, experience in account servicing, collection, policies to manage portfolio, experience in data modeling/decision science.

- In depth knowledge of building, and implementing machine learning, and logistic models scorecard.

- Experience extracting and manipulating data using multiple database technologies such as Microsoft SQL Server, SAS, etc.

- Proficiency with statistical software such as Python, SAS, R, SPSS, STATA, etc.

- Pricing and Collection strategies Significant experience in building A/B Testing, Pricing and digital initiatives, deploying in production for business.

- Proven experience of completing projects demanding timelines and high visibility.

- Adept in producing Reports & MIS suiting the needs of Business, Partners, Investors, Executives.

- Extraordinary presentation and communication skills.

- Experience in financial services, credit risk management, banking regulations like FDCPA, SCRA, FCRA, TILA, etc.

- Motivation Skills History of achieving aggressive goals and objectives, conveying sense of urgency while moving beyond challenges and obstacles.

- Thinking and Administrative Skills Solid analytical and problem-solving skills.

- Ability to analyze trends and suggest solutions to challenges.


Functional Areas: Accounting/Finance

Read full job description

Prepare for Credit Risk Analyst roles with real interview advice

Top WNS Credit Risk Analyst Interview Questions

Q1. Different types of constraints and difference between primary key and foreign key?
Q2. What will you check if a person is NRI has come to branch for open a bank account.
Q3. What will you do if you find out a suspicious transaction?
View all 282 questions

What people at WNS are saying

Credit Risk Analyst salary at WNS

reported by 6 employees with 1-5 years exp.
₹4 L/yr - ₹5.2 L/yr
60% less than the average Credit Risk Analyst Salary in India
View more details

What WNS employees are saying about work life

based on 12k employees
54%
71%
69%
68%
Flexible timing
Monday to Friday
No travel
Day Shift
View more insights

WNS Benefits

Submitted by Company
Job Training
Health Insurance
Soft Skill Training
Cafeteria
Submitted by Employees
Free Transport
Cafeteria
Job Training
Soft Skill Training
Health Insurance
Work From Home +6 more
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WNS Pune Office Locations

View all
Pune Office
WNS Global Services, 3rd to 7th Floor, Wing A & B, Tower 1, Cyber City, Magarpatta City, Hadapsar Pune
Maharashtra 411013
Pune Office
WNS Business Management Consultant, 104, Sakore Nagar Road, Sakore Nagar, Viman Nagar Pune
Maharashtra 411014

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