Job Description

C10 - SBS-Retail Banking, SAS, SQL

Job Location: Chennai

Roles & Responsibilities:

  • Support APAC Regional Decision Management team in the area of Risk analytics for Credit Cards. The role will be part of APAC risk analytics team and will be an individual contributor role reporting to a team lead
  • The Role holder is expected to work with senior analysts/team lead to undertake review of Risk based exclusions for various product acquisition campaigns/portfolio management initiatives (such as Balance Transfer/Credit limit increase/Credit limit decrease etc.) for credit cards
  • Evaluate performance of campaigns/products/segments based on risk metrics such as Net credit losses, delinquency rates etc… and recommend risk policy changes (e.g., bureau score cut-offs, age cut-offs, occupation exclusions, segment swap-in/swap-out etc.) in consultation with Regional analytics/Regional In-business risk counterparts
  • Develop any Risk MI as required to evaluate the performance of policy changes implemented
  • Carry out data exploration/process design activities to support tapping into new data sources to help size/deliver risk policy review benefits


  • Bachelor’s degree


  • 4+ years of experience in Credit cards marketing/product/risk analytics with a sound understanding of credit card product, Risk KPIs, portfolio performance metrics etc.
  • Robust Stakeholder management and Partner Engagement skills across markets
  • Effective oral & written communication skills required
  • Resilient Drive to work and manage project timelines
  • Strong Knowledge of SAS, SQL, extraction of data from Data warehouse, MS Excel with macros & VBA and PowerPoint


  • Understanding of Singapore/Asia Pacific markets, basic exposure to standard credit card risk management analytical frameworks (bureau score/application score/risk based exclusions etc.). understanding of Risk KPIs (net credit losses, delinquency rates etc.) and past experience in risk based projects is desirable but not mandatory