What are the responsibilities and job description for the Data Science - Credit Risk Analytics position at Straive?
Straive is a global leader in enterprise-grade data analytics and AI solutions, committed to empowering businesses across various industries with cutting-edge technology and expert insights. Backed by EQT, a top private equity firm, we are uniquely positioned to drive innovation through significant investments and an entrepreneurial spirit.
Our core focus is on delivering advanced Data Analytics & AI Solutions. By combining sophisticated technology with subject matter expertise, we deliver material impact on our clients' topline and streamline their operations. We specialize in providing tailored solutions across financial services, CPG, legal, pharma, life sciences, retail and logistics, helping them build robust data analytics and AI capabilities.
With a client base spanning 30 countries, Straive's strategically located teams operate from eight countries and is headquartered in Singapore. This global presence enables us to offer localized expertise with a worldwide perspective.
Join Straive to be part of a dynamic team at the forefront of data analytics and AI innovation. Here, you'll have the opportunity to contribute to transformative projects, supported by significant investments and an entrepreneurial drive fueled by our partnership with EQT.
Job Title: Credit Risk Analytics
Type: FTE
Location: San Jose, CA (Hybrid)
Job Summary:
The role focuses on identifying, assessing and monitoring credit risk across lending portfolios. The candidate will work closely with various stakeholders, including business units, risk management, and regulatory teams to develop and implement credit risk strategies and policies. Expertise in at least one domain — Credit Risk, Collections, or Recoveries - is required.
Key Responsibilities:
● Credit Risk Monitoring: Continuously monitor risk exposures, identify and escalate potential credit risk issues to senior management and the risk committee to ensure timely mitigation.
● Credit Risk Strategy Development: Develop, maintain, update & implement credit risk policies, procedures, and guidelines to ensure alignment with regulatory requirements and industry best practices.
● Credit Risk Modelling: Develop, maintain, and validate credit risk models to estimate potential losses and predict credit risk. Collaborate with data scientists and analysts to integrate credit risk models with other risk models.
● Stakeholder Management: Inform and advise senior management, business units, and stakeholders on credit risk, and provide training on credit risk management and policies.
● Data Analysis and Reporting: Analyze large datasets to identify credit risk trends,and present findings to senior management using SQL, Python, and data-driven insights, providing clear and compelling recommendations.
● Credit Risk Assessment: Analyze and evaluate creditworthiness of customers, counterparties, and transactions to identify potential credit risks. Conduct thorough credit reviews, including financial statement analysis, industry research, and market trends.
● Regulatory Compliance: Ensure compliance with credit risk regulations, such as Basel II/III, Dodd-Frank, and other applicable laws and regulations. Collaborate with regulatory teams to respond to regulatory inquiries and examinations.
Qualifications:
● Bachelor’s degree in finance, Economics, Data Science, Engineering or a related field; master’s degree preferred.
● Minimum of 3-4 years of experience in credit card analytics, with a focus in at least one of
the following areas - Credit risk/Collection/Recoveries Analytics
● Proficient in SQL and Python; experience with data visualization tools (e.g., Tableau,
PowerBI) is a plus.
● Excellent analytical and problem-solving skills, with the ability to interpret complex data
and make informed decisions.
● Strong communication and presentation skills, with the ability to convey technical
information to non-technical stakeholders.
● Proven ability to work collaboratively in a fast-paced, team-oriented environment.
This job description is not intended to cover or contain a comprehensive listing of all responsibilities, duties, or activities that are required. Responsibilities, duties, and/or activities may change, or new ones may be added at any time with or without notice.
If you are a motivated professional with a passion for delivering impactful solutions, we’d love to hear from you. Apply today to be part of a dynamic and forward-thinking team at Straive.
“Straive is an Equal Opportunity Employer. Our policy is clear: there shall be no discrimination based on age, disability, sex, race, religion or belief, gender reassignment, marriage/civil partnership, pregnancy/maternity, or sexual orientation.
We are an inclusive organization and actively promote equality of opportunity for all with the right mix of talent, skills and potential. We welcome all applications from a wide range of candidates. Selection for roles will be based on individual merit alone.”