Credit Modeling Analyst will develop, implement, and validate statistical and mathematical models to support credit risk assessment and decision‑making across Consumer & Program Lending portfolios. Credit Modeling Analyst will support the Head of Credit Risk, Merchant & Program Lending in building robust, data‑driven models for credit scoring, risk measurement, and portfolio performance forecasting, ensuring model integrity through regular back‑testing and validation.

Core Responsibilities

• Develop and implement statistical and mathematical credit models.
• Identify, define, and calculate independent and dependent variables for model building and ensure accurate representation of credit risk parameters.
• Collect, handle, cleanse, and prepare data from multiple internal and external sources for modeling purposes.
• Ensure data integrity and accuracy throughout the data pipeline from extraction to model input by implementing effective...