Experian is a global data and technology company, powering opportunities for people and businesses around the world. We operate across a range of markets, from financial services to healthcare, automotive, agribusiness, insurance, and many more. Experian invests in people and new advanced technologies to unlock the power of data. We have an amazing team of 25,200 people in 32 countries.
Job DescriptionWe are hiring an Analytics Consultant to build advanced credit risk models and deliver data-driven solutions for financial services clients. In this role, you will leverage machine learning, bureau and alternative data, and risk analytics expertise to drive underwriting, decisioning, and portfolio management strategies.
- Deliver high-quality analytical and value-added services to clients, ensuring excellence in execution and adherence to agreed timelines.
- Build best-in-class risk models leveraging bureau, alternative, and emerging data sources to drive informed business decisions and portfolio performance.
- Provide subject matter expertise in acquisition strategies, credit risk assessment, and limit assignment to support business growth and risk management objectives.
- Partner closely with business stakeholders, technical consultants, and delivery teams to establish shared understanding, align on requirements, and successfully deliver proposed solutions.
- Use data-driven analysis, customer insights, and market understanding to develop compelling value propositions that create measurable value for customers.
- Contribute as a trusted advisor by combining analytical expertise, strategic thinking, and cross-functional collaboration to deliver impactful client outcomes.
- 8+ years of experience in credit risk modelling across customer life cycle
- Domain expertise includes MSME lending, with understanding of MSME underwriting, credit assessment, risk segmentation, bureau-based lending, alternate-data-based lending, and portfolio risk management.
- Understanding of machine learning techniques and algorithms, such as Gradient Boost, KNN.
- Knowledge of different modelling frameworks like Linear Regression, Logistic Regression, Decision Tree
- Experience working on large datasets using Modern languages like Python
- Good understanding and hands-on experience of statistical modelling/data analysis tools (SAS, Python) and techniques
- Good applied statistics skills, such as distributions, statistical testing, regression etc.
- Experience in decisioning and portfolio management within banking and financial services will be an added advantage.
- Understanding of credit bureau would be an added advantage
- Extensive experience of managing large projects
- Experience working in a financial services environment or Modelling department of International Banks
- Interpret technical features into commercial benefits
Our uniqueness is that we celebrate yours. Experian's people first, inclusive and purpose driven culture is multi award-winning; World's Best Workplaces™ 2025 (Fortune Global Top 25), Great Place To Work™ in 26 countries to name a few. Check out Experian Life on social or explore our Careers Site to understand why. Experian is also proud to be an Equal Opportunity and Affirmative Action employer. If you have a disability or special need that requires accommodation, please let us know at the earliest opportunity.
Benefits:
- Great compensation package and discretionary bonus plan
- Core benefits include pension, health Insurance and term life Insurance, Sharesave scheme and more!
- 25 days annual leave with 13 bank holidays and 3 volunteering days. You can also purchase additional annual leave.
- You will report to Senior Analytics Consultant.
- Role Location: Mumbai
- Experian is an equal opportunities employer
Recruitment Fraud Awareness - Experian's recruitment process is conducted only through authorised channels. Recruitment communications will only be sent from an @experian.com email address.
Experian will never ask candidates to make any payment as part of an application, interview, assessment, onboarding, or recruitment process. To apply for roles or verify opportunities, please visit experian.com/careers.
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Experian Careers - Creating a better tomorrow together
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Experian Mumbai, Maharashtra, IND Office
Mumbai, India
