Credit Cards - Specialist, Data Science and Credit Risk

Job Title: -Credit Cards - Specialist - Data Science and Credit Risk

Location: Colombo, Sri Lanka

Experience: 8-10 Years

Duration: 18 months

Indicative salary range: INR 20-25 LPA, project duration is expected to be of 18 months. Certain actuals including travel expenses will be reimbursed. Salary will not be a constraint for the right profile. Logistical support will be provided for a smooth experience.

Role Overview

This is a contractual role in the Credit Card domain at Colombo. You will be tasked to design data-driven credit programs and digital lending journeys, focusing on portfolio profitability and risk mitigation for credit card products for a leading bank in Sri Lanka. This is a business-critical role.

Core Responsibilities

• Credit Program Design: Develop end-to-end credit processes for New-to-Bank (NTB) and Existing-to-Bank (ETB) segments.
• Pre-Approved Offering: Design pre-qualification frameworks for converting savings and debit card customers to credit card products.
• Portfolio Analytics: Analyze loss provisioning and performance data to identify profitable segments and optimize credit line assignments.
• Policy Communication: Translate complex risk models into actionable credit policies for bank stakeholders.

Required Skills & Qualifications

• Masters degree in Statistics or Economics from a reputable institution.
• Deep knowledge of credit card underwriting, including salaried and self-employed segments.
• Technical Knowledge:
• Familiarity with building Application/Behavior scores, PD, LGD, and Loss Forecasting models.
• Expertise in leveraging Bureau data, alternative data, and behavioral signals.
• Understanding of credit risk integration within seamless digital customer journeys. Strong grasp of loss provisioning and the key drivers of portfolio profitability.