Job Information

Credit Risk Analytics

Ambit Finvest

Mumbai

Company Name: Ambit Finvest Private Limited
About Ambit	Ambit Finvest Pvt. Ltd. is the systematically important Non-Banking Financial Company (NBFC) of Ambit Group, India’s most respected investment banking and financial services group. Ambit Finvest business, is oriented towards helping Entrepreneurs and Business Owners to realise the true potential of their businesses via SME Finance with a presence in PAN India and strive to grow more. The team at Ambit is a power-packed combination of intellectual depth, extensive experience and incisive knowledge with an appetite for sustainable growth
Designation	Manager / Senior Manager – Credit Analytics	Department	Credit
Location	Andheri HO	Reports to:	Deputy Vice President / Vice President – Credit Analytics
Qualification	∙Post Graduate ∙Experience: 6 to 8 years ∙Experience of Credit Analytics across Bank/NBFC is a must.

Primary Functions & Responsibilities

∙Sound knowledge in development of various Expert judgment and statistical scorecards for Underwriting

of MSME customers in BL and LAP, Vehicles, Supply Chain. Cross and Up sell to existing customers basis

Statistical/Behaviour Scorecards

∙Loss forecasting models and Collaborating with multiple stakeholders for analysis of various components

of Cost of Credit (COC)

∙Forecasting of Cost of Credit using roll rate analysis for different DPD buckets.

∙Forecasting recovery, gross write-offs (GWO) and Expected Credit Loss (ECL)

∙Predict GNPA and NNPA basis the stage distribution of the portfolio.

∙To assist in finalisation of ECL numbers and finalisation of PD and LGD numbers together with Risk and

Finance team

∙Gathering business requirements and solving complex business problems like how to improve approval

rates, reduce bad rates, improve cross ell etc using data based decision solutions like customer attrition,

finding growth opportunities etc. using analytical tools

∙In-depth analysis to detect problems and devise solutions for the deepening of entire MSME business

portfolio

∙Identification of leads for cross sell using internal and external data sources.

∙Working closely with different Bureau's and other Alternate data players for doing POC's and adding

value with new Solutions

∙ Creating multivariate scoring model to identify the geographies for opening new business centers , New

products and programs, Delinquency trends etc

∙Built a multivariate customer segmentation model to improve the productivity of sales team, Reducing

overall Bad rates and delinquency

∙Working on customer churn prediction model to reduce the customer attrition using decision tree

approach.

∙Working on and building various models which help in predicting future Bounce rates, default rates

under Propensity to bounce and propensity to default models, Collections Analytics

∙Working closely with Risk team in detailed Static pool analysis, Univariate and Multivariate analysis for

proper Portfolio monitoring and reducing the Bad rates with minimal drop in approval rates

∙Segmentation of entire Portfolio under Red, Amber and Green segment and also devising the strategy for

different segment of customer for Cross sell and Up sell, Portfolio monitoring, Collections etc.

∙Well versed in Big data and other tools like SAAS, Python, SQL, Excel, Machine Learning, PowerBI,

Tableau, Artificial Intelligence, Business Analytics, Statistics, Deep Learning, Data Analyst, MIS Analyst,

Data Engineer, ML Engineer, Powerbi/Tableau Engineer, Data Scientist etc

∙Well versed in Dashboarding and preparation of other MIS/Dashboards on excel/Power BI etc