**Credit Risk Analytics –Senior Analyst (C12)**

**Job Description**

The C12 AVP is a senior individual contributor and emerging leader responsible for owning defined credit card portfolios or risk domains, driving risk strategy, policy execution, and analytics-led decision-making.

The role requires strong independent judgment, end-to-end ownership, and the ability to influence senior stakeholders, while mentoring junior team members.

**Job Responsibilities: Individual is expected to have deep expertise into one or multiple functions from below**

**Portfolio Risk Ownership & Performance Management**

+ Own end-to-end credit risk performance for assigned portfolios or segments.
+ Monitor delinquency, loss rates, payment behavior, utilization, and profitability.
+ Identify emerging risk trends and structural shifts using vintage and cohort analysis.
+ Translate portfolio performance into loss, P&L, and capital impact.