Credit Risk Strategy Consultant

Are you a highly analytical and experienced professional looking to make a significant impact in the financial services sector? Straive is actively seeking a talented and driven Credit Risk Strategy Consultant to join our dynamic team across our key offices in Bangalore, Hyderabad, and Gurugram. This pivotal role is designed for individuals who are passionate about leveraging cutting-edge, data-driven insights to shape the future of credit risk strategy and analytics, contributing directly to our sustained growth, robust risk management, and overall profitability. If you possess a keen eye for detail, a strategic mindset, and a proven track record in credit risk, this is an unparalleled opportunity to advance your career.

As a Credit Risk Strategy Consultant at Straive, you will be at the forefront of designing, developing, and optimizing advanced underwriting strategies. Your work will span across various critical stages, from new customer originations to proactive line management and strategic renewals. You will play a crucial role in balancing business growth with effective risk mitigation and profitability objectives, utilizing a wealth of internal, bureau, and third-party data sources. If you thrive in an environment where your expertise in analytics can drive tangible business outcomes and you are ready to tackle complex financial challenges, we strongly encourage you to explore this exciting opportunity.

Key Responsibilities

• Design, develop, and optimize comprehensive underwriting strategies across new account originations, line management, and renewal processes.
• Apply strong, hands-on expertise in advanced SQL querying and Python programming for complex data manipulation and strategic insights.
• Proactively manage and strategically balance core business objectives of growth, risk exposure, and profitability through meticulous analysis of bureau and third-party data.
• Conduct in-depth vintage, cohort, and segment performance analysis to identify trends, opportunities, and areas for strategic improvement within credit portfolios.
• Develop, implement, and continuously refine First-Party Fraud Risk Management strategies, integrating them into broader credit risk frameworks.
• Collaborate effectively with cross-functional teams to translate intricate analytical insights into clear, actionable business strategies and robust decisioning rules.
• Monitor the performance of existing credit strategies, identifying areas for enhancement and proposing data-backed adjustments to senior stakeholders.

Requirements

• A solid minimum of 3 to 5 years of dedicated professional experience in Credit Risk Strategy, Credit Analytics, or a closely related analytical role within financial services.
• Demonstrated strong, hands-on expertise in SQL and Python programming is absolutely essential, with proficiency in complex data manipulation and statistical analysis.
• Proven experience and in-depth understanding of Credit Underwriting principles and the practical development and implementation of robust Decisioning Rules.
• Proficiency in analyzing and effectively leveraging Bureau and various Third-Party Data sources for strategic insights and predictive modeling.
• Solid understanding and practical experience with advanced Portfolio Performance and Vintage Analysis methodologies.
• Familiarity with contemporary First-Party Fraud Risk Management techniques, detection strategies, and prevention protocols.
• Candidates must be available to join immediately or with a maximum notice period of 30 days.

What We Offer

• An unparalleled opportunity to significantly shape the future of credit risk strategy and advanced analytics within a dynamic and forward-thinking global organization.
• A highly collaborative, innovative, and data-driven work environment where your strategic contributions are recognized and directly impact key business outcomes.
• Exposure to diverse, challenging, and high-impact projects that foster continuous professional growth and skill development.
• The chance to work alongside a passionate team of industry experts dedicated to innovation and excellence in analytics and financial services.
• A competitive compensation package, comprehensive benefits, and a clear pathway for career advancement within a fast-paced, impactful role.