WNS - Credit Risk Analyst (5-7 yrs)

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.