The role will support the analysis, development and optimization of credit policies and strategies, with a focus on underwriting, credit line / loan amount assignment, and risk-based pricing. The individual will use analytical tools and data-driven insights to identify opportunities for profitable portfolio growth while effectively managing credit risk across the customer lifecycle.

1. Assist in the analysis, development and monitoring of credit policies, including underwriting, line assignment and pricing strategies. 
2. Analyze credit and portfolio data to identify opportunities for risk-adjusted growth and recommend policy changes. 
3. Develop and optimize underwriting criteria, credit line assignment and risk-based pricing strategies. 
4. Evaluate the impact of credit policy changes through portfolio analysis, scenario testing and experiments. 
5. Translate credit policies and strategies into business rules using SQL and Python.
6. Monitor key credit risk and business performance metrics and proactively identify emerging trends. 
7. Collaborate with Risk, Product, Technology and Operations teams to implement credit policy changes.

• Strong analytical skills with hands-on experience in SQL; working knowledge of Python preferred. 
• Experience in credit risk strategy, credit policy, underwriting or portfolio analytics within Banking / Financial Services. 
• Good understanding of credit underwriting, line assignment / credit limit strategies and risk-based pricing. 
• Ability to analyze customer, application, bureau and portfolio data to identify trends and develop credit policy recommendations. 
• Experience in evaluating the impact of policy changes on approval rates, credit losses, profitability and portfolio growth. 
• Understanding of credit risk concepts such as eligibility criteria, risk segmentation, cut-offs, affordability, exposure management and pricing. 
• Ability to define and monitor relevant risk and business KPIs to measure strategy performance. 
• Experience with strategy testing, scenario analysis and A/B testing is preferred. 
• Knowledge of external credit data sources such as credit bureaus, FICO or similar third-party data is preferred. 
• Strong problem-solving skills with the ability to translate analytical findings into actionable business recommendations. 
• Ability to communicate and present analyses and recommendations effectively to business and risk stakeholders. 
• Knowledge of coding best practices, data manipulation and development of reusable analytical frameworks.