Credit Portfolio Analyst II (Rules Build) - C10 - PUNE

The Credit Portfolio Analyst II is an intermediate-level position responsible for the end-to-end implementation of Credit rules including authorizations for customer-facing credit risk platforms. This role ensures that all credit risk technology solutions, once deployed, perform effectively, and align with both regulatory requirements and business objectives. This person will be responsible for validating platform performance, identifying areas for optimization, and ensuring stability, reliability, and scalability of systems in production.

This role requires basic understanding of credit risk systems, customer impact, and technology operations, including pre / post-implementation assessments, operational risk management, and ongoing system monitoring to prevent disruptions and ensure compliance.

Responsibilities : Rules Build :

• Analysis, design, and implementation of all credit risk rules to support models, strategies as well as adjudication actions (ex : disclosures, letters, reason codes, account fulfillment requirements for adverse action, etc.)
• Core part of the role includes, creating new rules or maintaining existing credit rules for Authorizations in SAS Fraud Management System (FSM) / SAS Raptor tool and perform unit testing to validate the rules logic.
• Test individual components of the business rules and models to ensure they function as intended. Complete unit testing of all rule build activities; support testing on all defects
• Subject matter expertise in the data for the business object model (BOM) data that is used for reporting, analytics, and decisions coming from Rules Build
• Stay abreast of technological advancements and industry best practices to continuously improve the credit risk strategies.

Pre & Post-Implementation Validation :

Issue Resolution :

Customer Impact & Experience :

Regulatory & Compliance Monitoring :

Risk Management & Control :

Qualifications :

Education :

Job Family Group : Risk Management

Job Family :

Portfolio Credit Risk Management

Time Type : Full time

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Other Relevant Skills

Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation.