Job Description
Job Title: Risk Architect
Location: Noida / Pune
Experience: 7+ years in Credit Cards / Consumer Lending
The Mission:
You’ll be the architect of how we grow our Credit Card business responsibly yet aggressively. Partnering with the US Risk team, you’ll design frameworks, models, and strategies that directly influence the P&L while safeguarding against credit and fraud risks.
What You’ll Do:
• Underwriting Engine: Build next-gen “Yes/No” decision systems for card products.
• Credit Frameworks: Define line-of-credit determination, credit limit increase/decrease policies, and portfolio management strategies.
• Pricing Models: Develop risk-based APR frameworks to optimize Risk-Adjusted Margin (RAM).
• Fraud Defense: Outsmart bust-out artists and synthetic identities before they hit our books.
• Loss Estimation: Create LGD/EAD-based loss forecasting frameworks.
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