Credit & Risk Analyst – Vehicle Lending

Own portfolio performance, credit policy, and underwriting improvement. Analyze live loans; build scoring models; recommend policy calibrations based on NPA, bounce, and collection trends. Not execution • analytics and judgment. Core Responsibilities • Analyze portfolio by segment, bureau score, geography, dealer, OEM. Identify credit patterns and red flags. • Build and validate credit scoring models. Test new variables against real outcomes. Back test decision rules. • Develop and maintain und…