Senior Analyst - Data Science @ LatentView

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Senior Analyst - Data Science

LatentView
3 - 5 years
Bengaluru
8 days ago
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Job Description

Designation: Senior Analyst - Data Science

Experience: 3 to 5 Years

Location: Bengaluru, Karnataka , India (BLR)

Job Description:

We are hiring a Credit Risk Analytics professional with strong expertise in credit card risk management and portfolio analytics. The ideal candidate should have hands-on experience in developing Application Scorecards, Behavioral Scorecards, PD, and LGD models, along with a solid understanding of IFRS 9/CECL frameworks, lifetime ECL methodologies, and model risk governance. The role requires strong knowledge of the credit card lifecycle, portfolio intervention strategies, and exposure to bureau, behavioral, alternative, and transaction-level spend data. Proficiency in Python, SQL, SAS, Machine Learning, and Tableau is essential, along with strong communication and documentation skills to effectively present analytical insights to both technical and non-technical stakeholders.

Responsibilities:

Build and maintain statistically robust Application and Behavioral Scorecards, including PD, LGD, and EAD models.
Design and develop loss forecasting frameworks using Vintage Analysis, Roll Rate/Markov Models, Survival/Hazard Models, and GLM/GBM techniques at segment and portfolio levels.
Engineer and optimize features from bureau data, internal behavioral data, transaction data, device signals, and alternative data sources while ensuring strong data quality controls.
Perform model calibration, backtesting, stability monitoring (PSI/CSI), discrimination analysis (KS/AUC), and calibration testing to ensure model performance and accuracy.
Implement model explainability techniques such as reason codes and SHAP, along with bias/fair lending assessments and challenger/benchmark model development.
Ensure alignment of models with regulatory and accounting frameworks including IFRS 9, CECL, and Basel PD/LGD/EAD concepts.
Develop credit card portfolio optimization models to improve customer engagement, portfolio performance, and spend growth.
Drive portfolio spend growth initiatives through customer segmentation, persona-based targeting, merchant analytics, and campaign recommendations to enhance cross-border spend and customer engagement.

Skills:

ML, Data science, Risk Analytics

Strong problem solving skills and communication

Disclaimer : This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

Job Classification

Industry: Management Consulting
Functional Area / Department: Data Science & Analytics
Role Category: Data Science & Analytics - Other
Role: Data Science & Analytics - Other
Employement Type: Full time

Contact Details:

Company: LatentView
Location(s): Bengaluru

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Keyskills: risk management python sas credit risk forecasting documentation problem solving machine learning sql ifrs data quality tableau descriptive analysis data science portfolio segmentation model development communication skills ml risk analytics

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Senior Analyst - Data Science @ LatentView

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