About the job
As the Lead Credit Risk Analytics professional at Kriya, you will spearhead initiatives in decision science, credit modeling, portfolio performance, and pricing strategies. Your expertise will be instrumental in enhancing our credit and product performance, as well as informing our policy and strategic directions.
In this senior role, you will generate actionable insights that not only monitor and mitigate risk but also drive the growth and scalability of our products through informed, data-driven decisions. You will be the primary resource for the business regarding customer behavior insights and key performance metrics, including profitability, credit risk metrics, and operational performance.
Additionally, you will be tasked with establishing and refining competitive product pricing that meets market demands while ensuring adequate coverage and margins to deliver value to Kriya.
Key Responsibilities
- Collaborate closely with the risk leadership team to enhance our underwriting and credit decision-making processes.
- Utilize cutting-edge data science, machine learning, and artificial intelligence techniques to develop systematic risk models for our credit offerings.
- Conduct portfolio monitoring and investigative analyses to elucidate trends and address inquiries from key stakeholders, while providing recommendations for product and process enhancements.
- Optimize our pricing models using sophisticated financial modeling techniques.
- Generate portfolio management information for internal and external stakeholders, presenting insights in a clear and digestible manner.
- Perform thorough impact analyses on credit strategies, continuously reassessing and optimizing our credit decision-making approach.
- Support the collections and recovery team with data-driven insights and strategies.
- Engage with cross-functional teams to develop predictive models, product features, and processes.

