Designation: Assistant Manager – Data Science (Credit Risk Strategy)
Level: L3
Experience: 6–10 Years
Location: Colombo
We are seeking an experienced Assistant Manager – Data Science (Credit Risk Strategy) to join our team. The ideal candidate will possess strong expertise in credit card risk management, underwriting strategies, portfolio profitability analysis, and credit program design. This role will focus on developing data-driven credit strategies, optimizing portfolio performance, and supporting business growth through effective risk management practices.
- Design and implement credit programs and underwriting strategies for both Existing-to-Bank (ETB) and New-to-Bank (NTB) customer segments.
- Develop pre-approved and pre-qualified lending programs for offering credit cards to savings account and debit card customers.
- Define eligibility criteria, risk policies, and credit decision frameworks to support portfolio growth while maintaining risk controls.
- Design and optimize customer acquisition strategies across various customer segments, including salaried and self-employed individuals.
- Analyze loss provisioning data and portfolio performance metrics to identify profitable customer segments and growth opportunities.
- Assess portfolio profitability drivers and recommend strategies to improve overall portfolio performance.
- Evaluate customer risk profiles using bureau data, behavioral indicators, alternative data, and transactional information.
- Support the development and refinement of credit policies, underwriting rules, and credit line assignment strategies.
- Collaborate with business, risk, and product teams to implement data-driven credit decisioning frameworks.
- Communicate credit policies, portfolio insights, and strategic recommendations to business stakeholders and senior management.
- Partner with cross-functional teams to enhance digital credit journeys and improve customer experience.
- Provide analytical support for portfolio monitoring, risk assessment, and business planning initiatives.
- 6–10 years of experience in Credit Risk, Risk Strategy, Portfolio Analytics, or Data Science roles within Banking or Financial Services.
- Strong working knowledge of Credit Cards, Credit Risk Management, and Lending Products.
- Good understanding of underwriting processes for various customer segments, including Existing-to-Bank (ETB), New-to-Bank (NTB), Salaried, and Self-Employed customers.
- Experience in designing credit programs, pre-approved offers, and pre-qualified lending strategies.
- Understanding of credit line assignment methodologies and portfolio risk management practices.
- Knowledge of loss provisioning concepts and key profitability drivers within a credit card portfolio.
- Familiarity with bureau data, credit bureau attributes, reason codes, alternative data sources, and identity/behavioral signals.
- Understanding of credit risk capabilities and decisioning within digital customer journeys.
- Strong analytical, problem-solving, and decision-making skills.
- Excellent communication and stakeholder management skills with the ability to explain credit policies and risk concepts to non-technical audiences.
- Bachelor's or Master's degree in Statistics, Mathematics, Economics, Finance, Data Science, Computer Science, or a related quantitative discipline.
- Exposure to Application Scorecards, Behavioral Scorecards, PD, LGD, and Loss Forecasting Models.
- Experience in Credit Risk Modeling and Portfolio Optimization.
- Knowledge of IFRS 9, CECL, or Basel risk management frameworks.
- Experience with SQL, Python, SAS, Tableau, or other analytical tools.
- Understanding of customer lifecycle management and portfolio growth strategies.
- Experience working in digital lending and credit card acquisition ecosystems.
- Underwriting & Risk Policy
- Portfolio Profitability Analysis
- Loss Provisioning Analysis
- Portfolio Risk Management
- Problem Solving & Decision Science
- Banking & Financial Services Analytics
