Credit Risk Analytics Analyst (Credit Card)
- Hiring from
- India
- Work type
- Remote
- Posted
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About Us
At Kadel Labs – Startup Studio we built an ecosystem for early-stage founders to help them take their ideas to the next level. The ecosystem consists of in-house product teams, engineers, designers, data scientists, sales & marketing teams, legal experts, taxation, finance and operation heads. We aim to build a cohesive ecosystem, so that your startup runs as a full-fledged business from day 1!
Job Description
- Role Purpose: Perform portfolio credit risk analytics across the account lifecycle — acquisitions, account management, and collections — for the US card portfolio.
- Key Responsibilities
- Analyze portfolio performance: 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
- Analyze portfolio performance: approval rates, line assignment, utilization, delinquency, roll rates, and charge-offs
- 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
- Strong Python (scikit-learn, statistical modeling) and SQL
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
