Project Manager - Credit Risk Analytics & Modelling

Join our Digital Banking Service team and play a key role in building next-generation risk and customer decisioning capabilities.

We are looking for an experienced analytics professional to develop predictive models, credit risk scorecards, customer intelligence frameworks, and portfolio analytics that drive business growth while maintaining healthy risk performance

OBJECTIVES:

Project Manager - Credit Risk Analytics & Modelling is responsible for designing, developing, and monitoring predictive models that support customer acquisition, credit rehabilitation, portfolio growth, and digital banking engagement initiatives.

The role leverages customer, behavioral, alternative, transactional, and digital interaction data to build decision intelligence capabilities that improve risk assessment, customer qualification, portfolio performance, and commercialization outcomes across lending and banking products.

The position works closely with Risk, Product, Data, Technology, Customer Management, and Marketing teams to develop analytics-driven strategies that optimize customer lifecycle performance while maintaining acceptable risk levels.

This role combines credit risk analytics, behavioral modelling, portfolio intelligence, and digital customer analytics to support business growth and risk management objectives. This capability aligns with the Division's objective of expanding analytics-driven decision intelligence and predictive decisioning frameworks.

KEY RESPONSIBILITIES:

Risk & Predictive Model Development

• Develop customer risk models using traditional and alternative data sources.
• Build application scorecards, behavioral scorecards, and portfolio monitoring models.
• Develop propensity models for product uptake, cross-sell, upsell, and engagement.
• Design early warning models to identify emerging portfolio risks.
• Build customer segmentation and qualification frameworks.
• Develop customer graduation and next-best-product recommendation models.
• Support decision engine rule development and optimization.

Credit Rehabilitation Analytics

• Design customer rehabilitation scoring methodologies.
• Identify customer actions correlated with future credit eligibility improvements.
• Build eligibility prediction models for product progression.
• Develop risk-adjusted customer journey frameworks.
• Quantify customer improvement and migration across lifecycle stages.
• Monitor rehabilitation performance and long-term customer outcomes.

Portfolio Analytics & Risk Monitoring

• Monitor portfolio performance metrics including
• Identify emerging risk trends and recommend interventions.
• Conduct cohort and behavioral analysis.
• Build portfolio stress-testing scenarios.

Digital & Behavioral Analytics

Commercial Analytics Support

Model Governance & Compliance

• Cấp bậc: Có kinh nghiệm • Loại công việc: Toàn thời gian