Risk Analytics Manager

Manager - Risk Analytics - Mumbai - Lodha (I-Think Techno Campus) Main Accountabilities Monitor and analyze portfolio performance for Personal Loans (PL) and Business Loans (BL) , including delinquency trends, vintage analysis, segment-wise performance, and risk triggers. Conduct offer validation and performance analysis using Python, SQL, and data analytics tools to ensure optimal customer acquisition and portfolio quality. Evaluate alternative and bureau-based data sources , conduct Proof of Concepts (POCs), and recommend data-driven strategies to enhance credit underwriting and risk assessment. Track, measure, and assess the effectiveness of implemented risk strategies, scorecards, underwriting rules, and portfolio management initiatives. Collaborate closely with the Risk, Policy, Product, Business, and Data Science teams to evaluate, approve, implement, monitor, and periodically recalibrate risk models, scorecards, and decisioning frameworks based on portfolio performance. Lead and manage cross-functional Risk Analytics and Risk Transformation projects , ensuring timely implementation and achievement of business objectives. Perform customer segmentation, cohort analysis, champion-challenger testing, and strategy impact assessment to drive continuous portfolio optimization. Support policy formulation and risk governance through data-backed insights, analytics, and recommendations. Drive automation initiatives in portfolio monitoring, risk reporting, and analytical processes to improve efficiency and decision-making. Qualifications & Experience Post Graduate degree with a background in Statistics / Mathematics / Economics/ Engineering / MBA from premier institutes Experience of 3-6 years in the field Functional Competencies Hands on experience with scoring/data modelling Tools: Python & SQL Statistical Techniques: Logistic Regression, Segmentation, Forecasting, Machine Learning Techniques, Optimization.