Kadel Labs - Analyst - Credit Risk Analytics

Role Purpose:

Perform portfolio credit risk analytics across the account lifecycle - acquisitions, account management, and collections - for the US card portfolio.

Key Responsibilities:

• Analyze portfolio performance: approval rates, line assignment, utilization, delinquency, roll rates, and charge-offs.
• Support development, monitoring, and validation of credit risk scorecards and underwriting criteria.
• Conduct segmentation, champion/challenger, and policy impact analyses.
• Apply ML/AI techniques to enhance risk models and analytical insights.

Role-Specific Skills:

• Strong Python (scikit-learn, statistical modeling) and SQL.
• Understanding of US credit bureau attributes (FICO, Vantage, tradeline data) and card underwriting.
• Experience with credit risk modeling techniques (logistic regression, gradient boosting) preferred.

Requirements:

• US Credit Card Experience: Hands-on experience supporting US credit card portfolios (issuing side) - e.g., US bank, card issuer, fintech, or captive/GCC supporting a US card business.
• Python / SQL: Strong proficiency in Python and/or SQL for data extraction, analysis, and automation.
• AI / AI Agent Experience (3+ years): More than 3 years of experience working with AI - building or working with AI agents, LLM-based solutions, machine learning models, or AI-driven analytics in a professional setting.
• Excel: Advanced Excel skills, including pivot tables, complex formulas, and building management-ready reports and dashboards.
• Communication: Strong written and verbal English communication; ability to work with US-based stakeholders and overlap with US business hours as needed.