Job Location: Bangalore/Bengaluru
Roles and Responsibilities
- Engage with business stakeholders to understand their business process and translate business problems into analytical structures and solve using statistical /ML techniques
- Take initiatives and Ideate analytics projects which have scope of incremental revenue / reducing cost/increased operational efficiency
- Support in analyzing and monitoring early delinquency of business and provide necessary recommendations to minimize delinquency rates
- Support in developing and deploying machine learning application scorecards in collaboration with business and products teams of the bank
- Liaise with credit bureaus for performance tracking of the business and benchmark analysis to provide detailed business insights
- Help in Portfolio Risk Analytics to provide delinquency forecasting, vintage analysis to assess sourcing quality, concentration risk analysis for risk appetite models and Good -Bad analysis basis Bureau scrubs
- Initiate analytics projects which help in overall customer experience
- Support in developing risk segmentation and corresponding strategies for approval/decline & optimal limit assignment
- Help in developing customized customer level collection strategies for increased collection rates
- Support in developing and driving digital repayment rates
- Identifying & using alternative customer data to enhance customer life cycle management experience through customized product and service offers
- Continuous monitoring of delinquent and high risk customers to take corrective measures
- Understanding Bureau product & services and leveraging same for risk segmentation & strategies
- Support in Infrastructure setup for analytics driven initiatives of Bank’s objective in FY 2122. Data Mart and Analytics tools usage optimization for effective and real time results
- Liaison with IT/DW/Operations departments to ensure accuracy of the data and data governance management through customized MIS and quality management for reliable outcomes for consumption.
- Support in monitoring models and report model performance and validity statistics
- Constantly look for increasing the efficiency of the team and department resulting into reducing TAT of analytics projects, eg. Process enhancement, automation etc.
- Ensure all deliverables are followed through maker and checker process
- Understand individual products requirements along with business heads to design and execute campaigns based on business requirements.
- Upskill to new age technologies with respect to machine learning and credit modeling. Enhance on-job self-learning related to analytics techniques/tools
- Ensure timely completion of training / learning programs assigned time to time
- Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for data analysts
- Build relationships with various database agencies and other campaign management to drive the customer campaigns
Desired Candidate Profile
- Overall experience of 3+ years preferably in the BFSI domain with specific experience in predictive analytics, portfolio risk analytics.
- Advanced business analysis skills, high level & detailed solution design and implementation
- Strong knowledge on Predictive statistical modeling and its interpretation,
- Experience in using Statistical tools SAS, R, Python, etc and knowledge of SQL / HIVE etc.
- Experience in using different other analytics techniques such as Cluster analysis, Segmentation, Machine learning techniques
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