Loss Forecasting & Credit Strategy Analyst (Credit Card)
Summary
Build loss-forecasting models and credit strategies for a US credit-card portfolio using Python, SQL, and AI/ML, then translate insights into actionable recommendations for stakeholders.
About Us:
Kadel Labs is a
leading IT services company delivering top-quality technology solutions since
2017, focused on enhancing business operations and productivity through
tailored, scalable, and future-ready solutions. With deep
domain expertise and a commitment to innovation, we help businesses
stay ahead of technological trends. As a CMMI Level 3 and ISO 27001:2022
certified company, we ensure best-in-class process maturity and information
security, enabling organizations to achieve their digital transformation goals
with confidence and efficiency.
Job Title: Loss Forecasting & Credit Strategy Analyst
(Credit Card)
Experience: 5- 10 Years
Location: Jaipur, Udaipur, Bhopal & Bangalore
About the Role
We are looking for an experienced Loss Forecasting & Credit Strategy Analyst to support loss forecasting, reserve analytics, and credit strategy development
for a US credit card portfolio.
The ideal candidate will combine strong analytical and technical skills with a
solid understanding of credit risk and card portfolio dynamics.
Key
Responsibilities
- Build
and maintain loss forecasting models using roll-rate,
vintage, and CECL-aligned methodologies.
- Develop baseline
and stress-scenario forecasts and analyze forecast vs.
actual variances.
- Develop
and evaluate credit strategies across line management, authorization, and
collections.
- Assess
the P&L,
credit risk, and loss impact of proposed strategies.
- Apply AI/ML
techniques to improve forecasting accuracy and scenario
analysis.
- Translate
analytical insights into actionable credit strategy recommendations for senior stakeholders.
- Collaborate
with business, risk, finance, and technology teams.
Requirements
- 5–10 years of experience in Credit Risk, Loss Forecasting, Credit
Strategy, or related analytics roles.
- Hands-on
experience with US credit card portfolios on the issuing
side — US bank, card issuer, fintech, or GCC/captive
supporting a US card business.
- Strong
proficiency in Python and SQL for
forecasting, data analysis, and scenario modelling.
- Working
knowledge of CECL, stress testing, and reserve concepts;
CCAR/DFAST exposure is an advantage.
- Experience
applying AI/ML to forecasting, credit risk, or
analytics is preferred.
- Strong Advanced
Excel skills, including pivot tables, complex formulas,
dashboards, and management reporting.
- Excellent
communication skills with the ability to work with US-based
stakeholders and provide US business-hour overlap when
required.
Benefits
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