Credit Risk Modeling

Hiring credit risk modelers for global consulting firm.

Location - Pan India

Key Responsibilities :

To design, implement, and continuously refine data-driven collections strategies using analytics to improve recoveries and reduce delinquencies. The role involves developing actionable insights from customer behaviour, segmented models, and managing strategy performance.

• Strategy Development and Optimization :
• Develop risk-based, segmented collections strategies for delinquency cycles based on credit risk, payment history, etc.
• Identify high-risk accounts and define treatment paths based on roll rates, risk and customer affordability
• Leverage holiday season and salary cycle patterns to time collection outreach for maximum effectiveness
• Monitor roll rates, PTP adherence, Payment channels to identify trends and improvement opportunities
• Predictive Modeling and Advanced Analytics
• Build statistical and machine learning models to forecast delinquency, predict like hood of payment and optimize resource allocation.
• Leverage advanced analytics (like sentiment analysis and response tone modeling) to optimize customer communication strategies.
• Monitoring and Campaign Management
• Monitor key customer performance / payment / recovery metrics, and effectiveness of campaign strategies.
• Build automated dashboards for collections portfolio monitoring and preparation of monthly campaign base.

Required skills and qualifications :

Skills Required

Predictive Modeling, Advanced Analytics, Sas, Sentiment Analysis, Sql, Python