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Job Title: Risk Architect Location: Noida / Pune Experience: 7 years in Credit Cards / Consumer Lending The Mission: You’ll be the architect of how we grow our Credit Card business responsibly yet aggressively. Partnering with the US Risk team, you’ll design frameworks, models, and strategies that directly influence the P&L while safeguarding against credit and fraud risks. What You’ll Do: • Underwriting Engine: Build next-gen “Yes/No” decision systems for card products. • Credit Frameworks: Define line-of-credit determination, credit limit increase/decrease policies, and portfolio management strategies. • Pricing Models: Develop risk-based APR frameworks to optimize Risk-Adjusted Margin (RAM). • Fraud Defense: Outsmart bust-out artists and synthetic identities before they hit our books. • Loss Estimation: Create LGD/EAD-based loss forecasting frameworks. • Stress Testing: Run portfolio stress tests using Excel, SQL, and Python to simulate shocks and validate resilience. • Data Strateg...