Credit Risk Analytics

We have an Immediate Job opportunity for Credit Risk Analyticsposition.

Job Role: Credit Risk Analytics

Job Location: Dubai, UAE

Experience : 6 to 14 Years

Notice Period: Immediate to 30 days

About Company:

At Synechron, we believe in the power of digital to transform businesses for the better. Our global consulting firm combines creativity and innovative technology to deliver industry-leading digital solutions. Synechron's progressive technologies and optimization strategies span end-to-end Artificial Intelligence, Consulting, Digital, Cloud & DevOps, Data, and Software Engineering, servicing an array of noteworthy financial services and technology firms. Through research and development initiatives in our FinLabs we develop solutions for modernization, from Artificial Intelligence and Blockchain to Data Science models, Digital Underwriting, mobile-first applications and more. Over the last 20+ years, our company has been honored with multiple employer awards, recognizing our commitment to our talented teams. With top clients to boast about, Synechron has a global workforce of 15,000+, and has 58 offices in 21 countries within key global markets. For more information on the company, please visit our website or LinkedIn communit

Diversity, Equity, and Inclusion:

Diversity & Inclusion are fundamental to our culture, and Synechron is proud to be an equal opportunity workplace and an affirmative-action employer. Our Diversity, Equity, and Inclusion (DEI) initiative Same Difference is committed to fostering an inclusive culture – promoting equality, diversity and an environment that is respectful to all. We strongly believe that a diverse workforce helps build stronger, successful businesses as a global company. We encourage applicants from across diverse backgrounds, race, ethnicities, religion, age, marital status, gender, sexual orientations, or disabilities to apply. We empower our global workforce by offering flexible workplace arrangements, mentoring, internal mobility, learning and development programs, and more. All employment decisions at Synechron are based on business needs, job requirements, and individual qualifications, without regard to the applicant's gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected.

Job Description:

Develop and maintain scorecards (application and behavior) to support risk-based strategies across the customer lifecycle.

Leverage advanced analytics and machine learning to improve predictiveness and business outcomes from risk models.

Design and implement data-driven credit strategies that balance risk, profitability, and customer experience.

Perform data extraction, preparation, and feature engineering using large structured datasets from internal and external sources.

Apply statistical techniques including logistic regression, decision trees, and machine learning algorithms to build robust, interpretable models.

Conduct model performance evaluation, including KS, Gini, PSI, stability, lift analysis, and backtesting to ensure model accuracy and consistency.

Document the entire model development lifecycle (MDLC) in compliance with internal model governance and regulatory requirements (e.g., IFRS9, Basel).

Collaborate with risk policy, credit underwriting, and collections teams to ensure models are effectively translated into business strategies.

Provide analytical support in model calibration, cut-off analysis, stress testing, and scenario analysis.

Participate in internal and external model validation exercises, audits, and regulatory reviews by preparing detailed documentation and responses.

Continuously enhance models by incorporating alternative data, new modeling techniques, and automation tools. • Performs ad hoc analyses as requested by the senior management

Required Skills:

5 -10 years of hands-on experience in credit risk modeling, with a strong focus on scorecard development in banking or consumer lending.

Strong programming skills in SAS (preferred), Python, R, and SQL for model building, data preparation, and validation.

Deep understanding of statistical modeling techniques such as logistic regression, WOE/IV transformation, scorecard binning, and variable selection.

Experience in developing models for retail lending products such as personal loans, credit cards, auto loans, or mortgages.

Familiarity with model governance processes, documentation standards, and regulatory requirements (e.g., Basel, IFRS9, CB guidelines).

Ability to work independently on data sourcing, feature creation, model training, and performance evaluation.

Experience working with data visualization and reporting tools (e.g., Power BI, Tableau) is a plus.

Strong communication and documentation skills to explain model logic to stakeholders, reviewers, and non-technical teams.

Qualifications:

Bachelor's or Master's degree in computer science, Information Systems, or related field

Soft Skills:

Excellent communication and leadership skills.

Strong interpersonal and collaboration skills.

Ability to work under pressure and meet tight deadlines.

Positive attitude and strong work ethic.