Sr Credit Risk Analyst - Credit Card Strategy

Tiger Analytics is an advanced analytics consulting firm. We are the trusted analytics partner for several Fortune 100 companies, enabling them to generate business value from data. Our consultants bring deep expertise in Data Science, Machine Learning and AI. Our business value and leadership has been recognized by various market research firms, including Forrester and Gartner.

We are looking for experienced Credit Risk Analyst to join its credit risk strategy team. This role will focus on credit card portfolio management, credit line strategies, and developing data-driven risk policies to optimize portfolio performance while effectively managing credit exposure. The ideal candidate will have strong hands-on experience with Credit Line Increase (CLI) strategies, credit card risk management, portfolio analytics, and credit policy development.

Responsibilities:

• Develop, enhance, and manage credit card credit line and CLI strategies.
• Analyze portfolio performance, customer behavior, credit risk, utilization, exposure, and profitability.
• Develop customer eligibility criteria and line-assignment strategies based on risk and business objectives.
• Analyze credit bureau, customer, and portfolio data to identify opportunities for improving credit strategies.
• Design and evaluate strategy tests, experiments, and champion/challenger approaches.
• Partner with Risk, Product, Analytics, and other stakeholders to implement new and enhanced credit policies.
• Monitor the performance of existing credit strategies and recommend improvements based on portfolio trends.
• Use SQL, SAS, Python, or similar tools to perform portfolio analysis and generate actionable insights.
• Assess the impact of credit strategies on key metrics such as credit losses, utilization, exposure, revenue, and customer performance.
• Translate complex analytical findings into clear recommendations for business and executive stakeholders.
• Prepare presentations, analysis, and recommendations for senior management.
• Ensure credit strategies align with risk appetite, business objectives, and applicable policies.
• Support ongoing portfolio monitoring and identify emerging credit risk trends.

Requirements

• 6 to 9 years of experience in credit card risk strategy, credit line management, or portfolio management.
• Direct experience designing, developing, or materially enhancing Credit Line Increase (CLI) strategies and policies.
• Strong understanding of: Credit card economics, Customer behavior, Credit bureau data, Affordability, Credit exposure management, Credit risk.
• Experience developing and managing eligibility rules, decision waterfalls, and line-assignment strategies.
• Experience designing, executing, or evaluating strategy tests and experiments.
• Strong hands-on experience with SQL, SAS, Python, or similar analytical tools for portfolio analysis.
• Ability to analyze large datasets and translate analytical findings into actionable business recommendations.
• Strong stakeholder management and executive communication skills.
• Experience working with cross-functional teams such as Risk, Product, Analytics, Compliance, and Operations.
• Strong understanding of credit risk policies and the ability to translate analytical insights into implementable credit strategies and policies.