Role: Sr. Associate - Auto Risk Analytics
Industry Type: NBFC
Department: Risk Management & Compliance
Employment Type: Full Time, Permanent
Role Category: Risk Management & Compliance - Other
UG: B.Tech / B.E. in Any Specialization
PG: MBA/PGDM in Any Specialization, MS/M.Sc(Science) in Any Specialization
Responsibilities for the job:
Drive portfolio analytics, strategy monitoring and risk performance management for Used Car Loans (UCL), New Car Loans (NCL) and Electric Commercial Vehicle portfolios.
- Monitor portfolio performance across Auto lending products portfolios (UCL, NCL and Electric Commercial Vehicle).
- Analyse sourcing trends, TTD quality, approval rates and portfolio losses.
- Perform vintage analysis, roll rates, delinquency segmentation and collections analytics.
- Conduct bureau, demographic and alternate data variable-based deep dives.
- Evaluate policy interventions and recommend portfolio actions.
- Build risk dashboards and executive reviews for senior management.
- Track partner, dealer and channel performance from a risk perspective.
- Support scorecard implementation and monitoring.
- Identify emerging risks and growth opportunities using data-driven analytics.
- Work closely with Business, Product, Collections and Data teams.
- Track changes in policy/process/new use case through data trends and provide insights for effective decision making.
Technical Skills
- Strong analytical skills coupled with good understanding of Credit Risk management, scorecards
- Python/SAS/SQL mandatory
- Experience of Power BI/ Tableau preferred