Credit Risk Analytics Analyst (Credit Card)

Role Purpose: Perform portfolio credit risk analytics across the account lifecycle — acquisitions, account management, and collections — for the US card portfolio.

Key Responsibilities

approval rates, line assignment, utilization, delinquency, roll rates, and charge-offs Support development, monitoring, and validation of credit risk scorecards and underwriting criteria Conduct segmentation, champion/challenger, and policy impact analyses Apply ML/AI techniques to enhance risk models and analytical insights Role-Specific Skills Strong Python (scikit-learn, statistical modeling) and SQL Understanding of US credit bureau attributes (FICO, Vantage, tradeline data) and card underwriting Experience with credit risk modeling techniques (logistic regression, gradient boosting) preferred Requirements US Credit Card Experience: Hands-on experience supporting US credit card portfolios (issuing side) — e.

g., US bank, card issuer, fintech, or captive/GCC supporting a US card business Python / SQL: Strong proficiency in Python and/or SQL for data extraction, analysis, and automation AI / AI Agent Experience (3+ years): More than 3 years of experience working with AI — building or working with AI agents, LLM-based solutions, machine learning models, or AI-driven analytics in a professional setting Excel: Advanced Excel skills, including pivot tables, complex formulas, and building management-ready reports and dashboards Communication: Strong written and verbal English communication; ability to work with US-based stakeholders and overlap with US business hours as needed