IN_Sr.Associate_Unsecured Risk_FST -… at PwC · Pune

Job Description & Summary: ● The Analyst will support credit card portfolio risk management through data-driven analysis, performance monitoring, and risk insights. The role focuses on assisting senior analysts and managers in portfolio monitoring, acquisition risk analysis, credit policy evaluation, and model performance tracking, with increasing ownership over defined analytical modules.

Responsibilities:

Job Responsibilities: Portfolio Monitoring & Risk Analysis · Track portfolio performance metrics including delinquency, roll rates, losses, and utilization. · Perform trend, vintage, and cohort analysis to identify early risk signals. · Support creation and maintenance of risk dashboards and MIS. Acquisition & New Account Risk · Analyze performance of new account vintages by channel, product, and segment. · Monitor early delinquency and first-payment default trends. · Support evaluation of acquisition strategies to balance growth and risk. · Assist in evaluating approval rate vs loss trade-offs. · Participate in champion–challenger analysis for policy and strategy updates. · Help document policy rationale and analytical findings. Existing Customer Management (ECM) Responsibilities · Monitor existing customer credit risk performance across ECM levers, including CLI, CLD, authorization controls, and line management etc. · Perform segmentation, trend, and vintage analysis to identify changes in customer behavior and emerging risk signals. · Support analytics for risk-based ECM strategies to balance spend growth, customer experience, and credit losses. · Track post-implementation performance of ECM actions and highlight variances versus expectations. · Quantify risk–return impact of ECM strategies, including effects on utilization, delinquency, losses, and attrition.

· Assist in diagnosing portfolio performance changes and segment-level risk drivers. Stakeholder Communication & Governance · Prepare clear, structured presentations for senior analysts and managers. · Support documentation for risk governance and audit requirements. · Participate in regular risk review forums as an analytical contributor. · Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding client, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. Required Skills & Qualifications: Experience & Education · 1.5–4 years of experience in credit card risk analytics, consumer lending, or financial analytics. · Bachelor’s/Master’s degree in business, Statistics, Finance, Economics, or related quantitative fields. Technical Skills · Strong working knowledge of SQL/SAS; exposure to Python preferred. · Experience working with large datasets. · Experience with Tableau or PowerPoint for visualization and reporting. Analytical & Business Skills · Understanding of consumer credit risk fundamentals. · Ability to interpret data and explain results clearly. · Structured thinking and attention to detail. · Problem-solving skills to identify, analyze, and challenge basic problems. · Familiarity with data interpretation and ability to challenge decisions based on data analysis. · Ability to interpret data, make sound decisions, and challenge the basis of the analysis. Soft Skills · Willingness to learn and take increasing ownership.

· Ability to work collaboratively across teams. · Clear and concise written and verbal communication. General Skills: · Basic understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies. · Adds value and contributes to the success of the team. · Ability to work with little direction and in a team. · Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment.

Mandatory skill sets:

Unsecured Risk

Preferred skill sets:

P&L

Years of experience required:

2 to 4 Years

Education qualification:

Graduation / Post Graduation