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Job Location: Serilingampalle
About the Role:
The Consumer Credit team is responsible for leading, developing and implementing strategic initiatives and processes to drive the company credit culture, appetite, and business performance. The team is seeking a talented and experienced Lead Risk Consultant to be part of the Auto Lending Credit Risk team.
The candidate would be part of the Auto Lending Strategy Analytics team and would provide analytical support across a wide array of process or life cycle including but not limited to originations, collections, payments, deferrals, delinquency and related operational processes.
Primary role is to apply strong business knowledge and advanced analytical skills to solve business questions, think out-side-of-the-box and develop innovative yet practical risk management solutions. An individual who is results driven, goal oriented, and enjoys a fast-paced working environment will find this opportunity both challenging and exciting.
Responsibilities
- The incumbent would functionally contribute as an SME to the Auto Lending Credit Risk team and execute relatively large and complex projects with moderate to high risk for the line of business.
- Leads significant initiatives and processes, and partners with line of business management to drive the company credit culture, appetite, and business performance with inputs from senior leadership. Advises and counsels leadership.
- Directs and coordinates the various activities related to assessing and predicting risk and performance through business analysis and/or modeling. Establishes effective policies, processes, and tools to identify and manage risks. Uses predictive sciences for developing future ready solutions.
- Develops comprehensive monitoring frameworks and dashboards and provide statistically sound diagnostic evaluation of any emerging or unexpected risk areas to enhance intelligence and facilitate faster decision making.
- Reports on asset quality (delinquency, loss rate), portfolio trends, credit policy exceptions across various credit, vintage, product, offer, channel, industry segments using visualization tools such as Excel VBA, Tableau and/or SAS Visual Analytics.
- Develops quantitative/qualitative tools and methodologies for forecasting losses in supporting portfolio planning, loan loss provisioning, or new account acquisitions.
- Develop, maintain, and enhance the complex programming to extract data and/or manipulate databases such as Oracle, Teradata to support LOB strategy. Perform complex data analysis to support data quality, data integrity control.
- Evaluate new data sources and attributes, internal and external from extensive case reviews. Analyze big data and understand / monitor trends to provide actionable insights across a range of risk analytics initiatives.
- Lead project teams and may mentor but does not manage other team members.
- To be effective in this position, you will need an excellent understanding of credit risk, a broad and strategic perspective on risk management, and be fluent in key technical tools of credit risk decisioning.
Required Qualifications
- Bachelor’s degree or higher in a quantitative fields such as applied mathematics, statistics, engineering, finance, economics, econometrics or computer sciences
- 8+ years of progressive experience in credit and risk analytic roles
- Hands on Experience in at least one area in credit risk analytics – credit strategy / modeling techniques / Forecasting techniques / data architecture & management
- Detailed understanding of risk domain; Strong Risk analytics skills and understanding of P&L and risk drivers.
- Expertise in few programming and statistical packages – SAS, SQL, Excel, VBA, Macros, R, Python, E-miner, Tableau, SAS VA
- Knowledge of advanced statistical tools such as Segmentation Tools, Decision Trees, Clustering, Regression, and other statistical modeling and/or Machine Learning techniques
- Ability to lead project teams and coordinate with multiple stakeholders.
- Strong understanding and willingness to work hands on, using exploratory techniques which can sometimes involve advanced statistics.
- Excellent communication skills for interaction/coordination/project and skill prioritization with heads of functions
- Ability to identify and evaluate trends, isolate root cause, and provide swift/thorough resolution
Desired Qualifications:
- Advanced degree in statistics/finance /engineering/economics/other quantitative disciplines
- Knowledge and understanding of (consumer and small business loan) credit card lending practices, policies, procedures, and key drivers impacting credit offerings, including credit risks and regulatory requirements
- Strong analytical skills with ability to turn findings into executable plans to meet business objectives
- Ability to contribute to strategic decisions and coordinate with multiple stakeholders. Develop consensus and gain buy-in for strategic priorities
- Proficiency in Advanced SAS,SAS macros and SQL; Tableau or BI/automation tools
- Strong project management skills with ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
- Strong ability to develop partnerships and collaborate with other business and functional area
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