credit risk specialist

Mastercard

<div><p><b>Our Purpose</b></p><p></p><p><i>
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we&rsquo;re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.</i></p><p></p><p><b>
Title and Summary</b></p><p></p>
Managing Consultant &ndash; Credit Risk Specialist, Advisors &amp; Consulting Services<p></p>
Managing Consultant &ndash; Credit Risk Specialist
<br>
Advisors &amp; Consulting Services<br>
<br>
Services within Mastercard is responsible for acquiring, engaging, and retaining customers by managing fraud and risk, enhancing cybersecurity, and improving the digital payments experience. We provide value-added services and leverage expertise, data-driven insights, and execution. Our Advisors &amp; Consulting Services team combines traditional management consulting with Mastercard&rsquo;s rich data assets, proprietary platforms, and technologies to provide clients with powerful strategic insights and recommendations. Our teams work with a diverse global customer base across industries, from banking and payments to retail and restaurants.<br>
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The Advisors &amp; Consulting Services group has five specializations: Strategy &amp; Transformation, Performance Analytics, Business Experimentation, Marketing, and Program Management. Our Strategy &amp; Transformation consultants lead clients through impactful decision-making as they tackle strategic, tactical, operational, and transformational business challenges. They apply a broad set of problem-solving techniques to improve the client&rsquo;s overall strategy, performance, and operations.<br>
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Positions for different specializations and levels are available in separate job postings. Please review our consulting specializations to learn more about all opportunities and apply for the position that is best suited to your background and experience: https://careers.mastercard.com/us/en/consulting-specializations-at-mastercard
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Role Description and Major Responsibilities<br>
<br>
<ul><li>Responsible for delivering top quality work as a subject matter expert in credit risk.</li><li>Rigorously and logically identify issues covering entire client problems in credit risk, analytics, risk policy benchmarks, risk scorecards etc.</li><li>Generate key hypotheses and independently structures work at the stream or project level</li><li>Synthesize analyses into clear, sound recommendations
</li><li>Identify creative and useful additional analyses required and suggest new paradigms for recommendations</li><li>Create effective, impactful and quality assured storylines and slides at stream or project level</li><li>Participate in recruiting, training, and developing others, as requested</li><li>Develop effective working relationships with mid- to senior-level client management</li><li>Independently assess client agenda, internal culture and change readiness.</li><li>Work closely with Regional Lead Credit Practice Lead to grow the credit risk practice involving creation of new solutions, creation of blue book for credit risk, involvement in BD support etc.</li></ul><br>
Qualifications<br>
<br>
Basic qualifications<br>
<ul><li>Undergraduate degree with work experience in retail bank with significant experience in credit risk, collections, authorizations, analytics etc.</li><li>Managing Card Management Systems including subsystems such as Fraud Detection Systems, Database Marketing Tools, Workflow systems etc.</li><li>Experience coaching and managing teams across multiple consulting engagements that involve structured problem solving and stakeholder management</li><li>Experience managing key client relationships
</li><li>Knowledge of business KPIs, financials, and organizational leadership</li><li>Ability to identify new business development opportunities, and experience drafting proposals and scoping new opportunities</li><li>Logical, structured thinking, and affinity for numerical analysis</li><li>Advanced Word, Excel, and PowerPoint skills</li><li>Ability to manage multiple tasks and clients in a fast-paced, deadline-driven environment</li><li>Ability to communicate effectively in English and Arabic</li><li>Eligibility to work in the country where you are applying, as well as apply for travel visas as required by travel needs</li><li>Ability to travel to client sites on a semi-regular basis</li></ul><br>
Preferred qualifications<br>
<ul><li>Work experience in consulting, corporate strategy, business intelligence, business line management, or product management</li><li>Programming skills including prior experience of scorecard build
</li><li>Experience coaching and managing teams across multiple co</li><li>Experience generating new knowledge or creating innovative solutions for a firm</li><li>MBA or master&rsquo;s degree</li></ul><p></p><p><b>
Corporate Security Responsibility</b></p><p><br>
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:</p><ul><li><p>
Abide by Mastercard&rsquo;s security policies and practices;</p></li><li><p>
Ensure the confidentiality and integrity of the information being accessed;</p></li><li><p>
Report any suspected information security violation or breach, and</p></li><li><p>
Complete all periodic mandatory security trainings in accordance with Mastercard&rsquo;s guidelines.</p></li></ul></div><p></p>

Managing Consultant – Credit Risk Specialist, Advisors & Consulting Services

ProClink

<div><div>Job Title: Credit Risk Consultant (Data Analytics)</div><div>
Experience: Minimum 5+ years of relevant experience in credit risk analytics, preferably within lending.</div><div></div><div>
About the Role</div><div>
We are looking for an experienced Credit Risk Consultant to join our analytics team and work closely with clients across the customer lifecycle. This role sits at the intersection of business, risk, and data, requiring strong functional expertise, hands-on technical skills, and the ability to translate analytics into actionable business insights.</div><div>
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Key Responsibilities</b></div><ul><li>Act as a subject-matter expert for risk analytics, underwriting, and portfolio management.</li><li>Partner with clients to understand business objectives and translate them into analytics-driven credit risk solutions.</li><li>Design, review, and enhance credit risk strategies including:</li></ul><div>
o Acquisition &amp; underwriting</div><div>
o Credit line assignment and management</div><div>
o Pricing and risk-based segmentation</div><ul><li>Analyze large datasets to identify trends, risks, and opportunities, and communicate insights clearly to both technical and non-technical stakeholders.</li><li>Support model performance monitoring, validation, and ongoing optimization.</li><li>Collaborate with data scientists, engineers, and business teams to ensure end-to-end delivery of analytics solutions.</li><li>Create clear documentation, presentations, and client-ready materials.</li></ul><div></div><div><b>
Required Skills &amp; Qualifications</b></div><div>
1. Functional Knowledge</div><ul><li>Strong understanding of credit risk management concepts and frameworks.</li><li>Hands-on experience with underwriting, risk policy, and portfolio analytics.</li><li>Knowledge of key risk metrics such as approval rates, delinquency, roll rates, charge-offs, and vintage analysis.</li></ul><div>
2. Business Understanding</div><ul><li>Deep understanding of how lending products work in the analytics ecosystem, including customer lifecycle, profitability drivers, and risk-reward trade-offs.</li><li>Experience working with credit bureau data, transaction data, and customer behavior data.</li><li>Ability to align risk strategies with business growth, customer experience, and regulatory considerations.</li></ul><div>
3. Technical Skills</div><ul><li>Strong proficiency in SQL for data extraction and analysis.</li><li>Experience with Python, R, or SAS for analytics and modeling.</li><li>Comfortable working with large datasets and analytics platforms.</li><li>Experience with dashboards or visualization tools (e.g., Power BI, Tableau) is a plus.</li></ul><div>
4. Communication &amp; Consulting Skills</div><ul><li>Excellent verbal and written communication skills.</li><li>Ability to explain complex analytical concepts in a simple, business-friendly manner.</li><li>Proven experience working in client-facing or stakeholder-heavy environments.</li><li>Strong presentation and storytelling skills using data.</li></ul><div>
5. Willingness to work in US time shift</div><div>
Nice to Have</div><ul><li>Experience in data analytics, consulting, or fintech environment.</li><li>Exposure to regulatory frameworks related to consumer credit.</li><li>Prior experience working with global or large-scale lending portfolios.</li></ul><div>
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What We Offer</div><ul><li>Opportunity to work on high-impact analytics problems.</li><li>Exposure to leading financial institutions and innovative analytics solutions.</li><li>Collaborative, data-driven culture with strong learning opportunities.</li><li>Competitive compensation and growth potential.</li></ul></div>

Credit Risk Consultant

MISPay

<div>
 <p>
  <strong>
   Role Overview
  </strong>
 </p>
 <p>
  We are seeking a Data Scientist &ndash; Credit Risk to support and enhance credit decisioning strategies within our Buy Now Pay Later (BNPL) business. The role will focus on developing, validating, and optimizing credit risk models to manage portfolio performance, and support sustainable growth in compliance with SAMA regulations.
 </p>
 <p>
  <strong>
   Key Responsibilities
  </strong>
 </p>
 <ul>
  <li>
   Develop and maintain credit risk models (application scorecards, behavioral models, fraud models).
  </li>
  <li>
   Build predictive models for default probability, loss forecasting, and customer segmentation.
  </li>
  <li>
   Analyze large structured and unstructured datasets to generate risk insights and actionable recommendations.
  </li>
  <li>
   Monitor portfolio performance, delinquency trends, roll rates, and vintage analysis.
  </li>
  <li>
   Collaborate with related teams to enhance credit decisioning engines.
  </li>
  <li>
   Implement A/B testing and champion/challenger strategies.
  </li>
  <li>
   Ensure compliance with SAMA regulatory requirements and internal governance standards.
  </li>
  <li>
   Automate reporting dashboards and performance tracking using BI tools.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Qualifications &amp; Experience
  </strong>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s or Master&rsquo;s degree in Data Science, Statistics, Mathematics, Computer Science, or related field.
  </li>
  <li>
   3&ndash;6+ years of experience in credit risk modeling (preferably in fintech, BNPL, or banking in KSA).
  </li>
  <li>
   Strong understanding of credit lifecycle, underwriting, and collections analytics.
  </li>
  <li>
   Experience working under SAMA regulatory framework is preferred.
  </li>
  <li>
   Proficiency in Python, SQL, and data visualization tools (Power BI/Tableau).
  </li>
  <li>
   Hands-on experience with machine learning techniques
  </li>
  <li>
   Knowledge of local credit bureau systems (SIMAH)
  </li>
  <li>
   Experience with big data tools
  </li>
  <li>
   Arabic language proficiency
  </li>
 </ul>
 <p>
  <strong>
   Technical Skills
  </strong>
 </p>
 <ul>
  <li>
   Statistical modeling &amp; hypothesis testing
  </li>
  <li>
   Feature engineering &amp; model validation
  </li>
  <li>
   Model performance monitoring
  </li>
  <li>
   Data wrangling &amp; ETL processes
  </li>
  <li>
   Version control &amp; documentation best practices
  </li>
 </ul>
 <p>
  <strong>
   Soft Skills
  </strong>
 </p>
 <ul>
  <li>
   Strong analytical and problem-solving skills
  </li>
  <li>
   Ability to communicate complex insights to non-technical stakeholders
  </li>
  <li>
   Attention to detail and high ownership mindset
  </li>
  <li>
   Ability to work in fast-paced fintech environment
  </li>
 </ul>
 <p>
 </p>
</div>


Data Scientist - Credit Risk

LeadingEdge HR Solutions

<div>
 <strong>
  Job Title: Risk Management Consultant
  <br/>
  <br/>
  Location: Karachi, Pakistan
  <br/>
  <br/>
 </strong>
 <strong>
  Job Description:
  <br/>
  <br/>
 </strong>
 Our client is seeking a Risk Management Consultant with expertise in credit risk modeling, liquidity metrics, and capital adequacy rules. You'll support financial institutions in implementing Basel III frameworks, optimizing risk management strategies, and enhancing regulatory compliance.
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 <br/>
 <strong>
  Key Responsibilities:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Develop and validate credit risk models (PD/LGD)
  </li>
  <li>
   Assess and improve liquidity metrics (LCR/NSFR)
  </li>
  <li>
   Ensure capital adequacy (Pillar 1/Pillar 2)
  </li>
  <li>
   Support regulatory reporting and compliance
  </li>
  <li>
   Collaborate with clients on risk management solutions
   <br/>
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Requirements:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Strong banking and consulting background
  </li>
  <li>
   Expertise in credit risk and liquidity management
  </li>
  <li>
   Knowledge of Basel III regulations
  </li>
  <li>
   Analytical and problem-solving skills
   <br/>
  </li>
 </ul>
</div>


Risk Management Consultant (Credit Risk & Liquidity)

HSBC

<div><p><b>Some careers have more impact than others.</b></p><p>
If you&rsquo;re looking for a career where you can make a real impression, join HSBC and discover how valued you&rsquo;ll be.</p><p>
HSBC is one of the largest banking and financial services organizations in the world, with operations in 62 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realize their ambitions.
</p><p>We are currently seeking an experienced professional to join our team in the role of Analyst &ndash; Credit Risk</p><p><b>
In this role, you will:</b></p><p><b>
Impact on Business</b></p><ul><li>
Identifying the breaks between various front end trading systems and the risk portal systems working towards the remediation.</li><li>
Investigating and reporting credit risk arising from trading activities against approved limits and against the utilizations shown in risk systems.</li><li>
Reporting and analyzing the cause of variation and addressing the issues to correct the same.</li></ul><p><b>
Customers / Stakeholders</b></p><ul><li>
Provide regular information to Traded Credit Risk Control managers on the performance of the team in terms of capacity and quality of output. Collaborate and partner with relevant stakeholders to ensure end to end process is connected and streamlined.</li></ul><ul><li>
Put in place the improvement plans for repeated errors and work in close coordination with the analyst to ensure that the plan is implemented effectively</li><li>
Escalation of errors and client feedback to relevant stakeholders as per process.</li></ul><p><b>
To be successful you will:</b></p><ul><li>
A degree / qualification in Finance, Economics, Commerce or equivalent or previous experience in Risk management (Credit Risk)</li><li>
Knowledge of Credit Risk, Treasury products, operations, systems, related regulations, group risk systems, primary trading systems and static data systems desirable</li><li>
Knowledge Financial Services sector, terminology and issues an advantage. Programming in VBA, Excel and SQL would be an advantage</li><li>
Previous experience in a Traded Credit Risk Control management environment is highly desirable.</li><li>
Experience in documenting processes, developing KPIs and troubleshooting</li></ul><p><b>
You&rsquo;ll achieve more at HSBC</b></p><p><b>
Hsbc.Com/Careers</b></p><p>
HSBC is an equal opportunity employer committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and, opportunities to grow within an inclusive and diverse environment. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.&rdquo;</p><p>
Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.</p><p><b>
***Issued By HSBC Electronic Data Processing (India) Private LTD***</b></p></div><p></p>

Analyst - Credit Risk

FlagStar Bank

<div><div>Position Title</div>
Sr. Allowance for Credit Losses Analyst<div></div><div><br>
Location</div>
Work From Home TX, TX 73301<div></div><div><br>
Job Summary</div>
The Sr. Credit Risk Analyst supports the quarterly production of the company&rsquo;s allowance for credit losses (&ldquo;ACL&rdquo;) for the loan and lease portfolio. Collaborates with various stakeholders and performs analyses to support the development of expected credit losses, following the established methodology and maintaining documentation supporting conclusions.<div></div><div><br>
Job Responsibilities:</div><div>
JOB RESPONSIBILITIES</div><div></div><ul><li>
Execute quarterly production of the allowance for credit losses, independently managing assigned workflow, in accordance with established methodology and SOX framework.</li><li>
Analyze key drivers of changes in the ACL, including rate/volume, economic forecast, and credit mix, solutioning unintuitive drivers.</li><li>
Collaborate with Credit function and other key stakeholders to propose, develop and document qualitative adjustments.</li><li>
Develop and/or maintain supporting ACL documentation, including working group materials, quarterly governance materials, ad-hoc documentation and analyses, and financial disclosures and regulatory reports.</li><li>
Support communication of results and other ACL related matters to internal and external stakeholders.</li><li>
Support execution of internal strategic initiatives for effective implementation into ACL Program.</li><li>
Maintains knowledge of relevant accounting standards and regulatory guidance related to Current Expected Credit Losses, as well as credit risk factors impacting the loan and lease portfolio.</li></ul><div></div><div>
ADDITIONAL ACCOUNTABILITIES</div><ul><li>
Performs special projects, and additional duties and responsibilities as required.</li><li>
Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.</li></ul><div></div><div>
JOB REQUIREMENTS</div><div></div><div>
Required Qualifications:</div><ul><li>
High School Diploma, GED, or foreign equivalent required.</li><li>
Minimum experience required: 5+ Years in credit risk management, accounting, or related experience.</li><li>
Proficient in Python.</li></ul><div></div><div>
Preferred Qualifications:</div><ul><li>
Education level preferred: Undergraduate Degree (4 years or equivalent).</li><li>
Knowledge of CECL (Current Expected Credit Loss).</li><li>
Experience in mid-size and large financial institutions.</li><li>
Experience with Alteryx platform.</li></ul><div></div><div>
Job Competencies:</div><ul><li>
Basic knowledge of financial analysis and financial forecasting.</li><li>
Knowledge of data querying languages and software.</li><li>
Excellent analytical and quantitative skills.</li><li>
Professional writing skills.</li><li>
Excellent communication and presentation skills.</li><li>
Proven ability to independently manage assigned workflows, collaborate with various individuals, and deliver on commitments.</li><li>
Travel &lt; 15%.</li><li>
Physical demands (ADA): No unusual physical exertion is involved.</li></ul><div>
Flagstar is an Equal Opportunity Employer</div><div></div><div>
Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: <div><i>Benefits | Flagstar Bank</i></div></div></div>

Sr. Allowance for Credit Losses Analyst

Bosch

<div><b>Company Description</b><p><br>
Let&rsquo;s turn visions into reality. At Bosch, we shape the future by inventing high-quality technologies and services that spark enthusiasm and enrich people&rsquo;s lives. Our areas of activity are every bit as diverse as our outstanding Bosch teams around the world. Their creativity is the key to innovation through connected living, mobility or industry. Our promise to our associates is rock-solid: we grow together, we enjoy our work, and we inspire each other. Join in and feel the difference.<br>
Every year, several thousands of young people on practical placements with Bosch experience daily work at first hand. With this long term internship opportunity they are actively integrated into projects and are fully incorporated in the daily work of one of the world's largest industrial corporations. The new specialist experience you gather will help you choose the future focus of your studies and the way you wish to launch your professional career. One thing is sure: Exciting and interesting tasks await you!</p><b><br>
Job Description</b><p><br>
Students enrolled in University Engineering and Economic Management Science departments can work minimum three days per week in our Manisa Plant.<br>
We are currently offering an opportunity for a highly motivated and enthusiastic individual to join us in starting something remarkable as a Costumer Credit Risk Smart Start.</p><p><br>
Your contribution to something big:</p><ul><li>
Account Receivables support and follow-up,</li><li>
Customer Enquiry and Customer Document Enquiry,</li><li>
Receivables Management (Risk Reporting, Overdue Reporting, etc.),</li><li>
Department Process Improvement,</li><li>
Order Release,</li><li>
Preparation &amp; Update of Work Instruction &amp; Procedures.</li></ul><br>
<b>
Qualifications</b><p><br>
What distinguishes you:</p><ul><li>
3rd or 4th year Bachelor or Master student of Business Administration, Finance, Industrial Engineering and related departments,</li><li>
Able to work for 3 working days in Manisa Plant,</li><li>
Advanced level of English both spoken and written,</li><li>
Advanced knowledge in MS Office Tools.</li></ul><br>
<b>
Additional Information</b><p><i><br>
Bosch Grubu şirketlerine ilginiz i&ccedil;in teşekk&uuml;r ederiz. 6698 sayılı Kişisel Verilerin Korunması Kanunu kapsamında kişisel verilerinizi &ouml;nemsiyor ve bu kapsamda başvurmuş olduğunuz pozisyon hangi Bosch Grubu şirketi b&uuml;nyesinde yer alıyor ise s&ouml;z konusu şirketin veri sorumlusu sıfatıyla hareket ettiğini a&ccedil;ık&ccedil;a belirtmek istiyoruz. Mevcut yapacağınız başvurunuz i&ccedil;in Kişisel Verilerin Korunması Kanunu kapsamında hazırlanmış olan Aydınlatma Metni&rsquo;ne </i><b><i>buradan</i></b><i> </i><i>ulaşabilirsiniz. İş başvurunuz kapsamında bu ve y&ouml;nlendirileceğiniz diğer sayfalarda birden fazla Bosch Grubu şirketi aydınlatma metninin bulunması halinde, kişisel verilerinizin işlenmesi bakımından veri sorumlusu sıfatıyla hareket eden ve başvuru yapmış olduğunuz şirkete ait aydınlatma metnini inceleyerek kişisel verileriniz hakkında detaylı bilgiye de her zaman ulaşabilirsiniz.</i></p><p><i>
Thank you for your interest in Bosch Group companies</i><i>. Within the scope of Personal Data Protection Law no.6698, we give importance your personal data and we want to clearly define that the Bosch Group is acting as the data controller for the position you are applying for. For your current application, you can find privacy notice </i><b><i>here</i></b><i> which was prepared in scope of Personal Data Protection Law. If more than one privacy notice of Bosch Group&rsquo;s will appear in scope of your job application in this page and pages you will be redirected, you can always access detailed information by reviewing privacy notice of the company you are applying for and acting as a data controller for the processing of your personal data.</i></p></div>

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