PwC
FS X-Sector
INSeniorAssociateUnsecuredRiskFSTCaptivesAdvisoryGurgaon
“IN_Senior Associate_Unsecured Risk_FST - Captives_Advisory_Gurgaon at PwC. Skills: credit card risk analytics, consumer lending, financial analytics, risk management, data analysis, SQL, SAS. Track portfolio performance metrics including delinquency, roll rates, losses, and utilization.. Perform trend, vintage, and cohort analysis to identify early risk signals.”
Industry & Context.
Problem-solving skills to identify, analyze, and challenge basic problems; Ability to interpret data, make sound decisions, and challenge the basis of the analysis
Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment.
What They're Looking For.
Must Have
1.5–4 years of experience in credit card risk analytics, consumer lending, or financial analytics, Bachelor’s/Master’s degree in business, Statistics, Finance, Economics, or related quantitative fields, working knowledge of SQL/SAS, Experience working with large datasets, Understanding of consumer credit risk fundamentals, Ability to interpret data and explain results clearly, Structured thinking and attention to detail, Problem-solving skills to identify, analyze, and challenge basic problems, Familiarity with data interpretation and ability to challenge decisions based on data analysis, Ability to interpret data, make sound decisions, and challenge the basis of the analysis, Unsecured Risk
Nice to Have
exposure to Python, Experience with Tableau or PowerPoint for visualization and reporting, P&L, Graduation / Post Graduation
What You'll Do.
Track portfolio performance metrics including delinquency
and cohort analysis to identify early risk signals.
Support creation and maintenance of risk dashboards and MIS.
Analyze performance of new account vintages by channel
Monitor early delinquency and first-payment default trends.
Support evaluation of acquisition strategies to balance growth and risk.
Assist in evaluating approval rate vs loss trade-offs.
Participate in champion–challenger analysis for policy and strategy updates.
Help document policy rationale and analytical findings.
Monitor existing customer credit risk performance across ECM levers
authorization controls
and line management etc.
and vintage analysis to identify changes in customer behavior and emerging risk signals.
Support analytics for risk-based ECM strategies to balance spend growth
Track post-implementation performance of ECM actions and highlight variances versus expectations.
Quantify risk–return impact of ECM strategies
including effects on utilization
Assist in diagnosing portfolio performance changes and segment-level risk drivers.
structured presentations for senior analysts and managers.
Support documentation for risk governance and audit requirements.
Participate in regular risk review forums as an analytical contributor.
Appropriately assess risk when business decisions are made
demonstrating consideration for the firm's reputation and safeguarding client
its clients and assets
by driving compliance with applicable laws
rules and regulations
applying sound ethical judgment regarding personal behavior
conduct and business practices
managing and reporting control issues with transparency.
How You'll Work.
Team & Collaboration
Ability to work collaboratively across teams; Participate in regular risk review forums as an analytical contributor
Communication Scope
Clear and concise written and verbal communication; Ability to interpret data and explain results clearly
Applying for this IN_Senior Associate_Unsecured Risk_FST - Captives_Advisory_Gurgaon role?
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