Credit Risk Modeling

3 days ago


Bengaluru Gurugram Pune, India Aspyra Hr Services Full time ₹ 15,00,000 - ₹ 25,00,000 per year

Job Title: Credit Risk Scorecard Model Developer

Location: Pan India (Hybrid)

Type: Full Time

Role Overview

  • Responsible for developing and maintaining credit risk scorecards (application, behavioral, and collection) to support lending decisions and portfolio management.
  • Key Responsibilities
  • Build scorecard models using Logistic Regression, WOE/IV, and other statistical methods.
  • Extract, clean, and prepare data for model development.
  • Evaluate model performance (KS, Gini, PSI, ROC, Lift).
  • Document models and ensure compliance with Basel / IFRS9 / internal risk governance.

Required Skills

  • 2+ years in Credit Risk Modeling / Scorecard Development.
  • Proficient in SAS / Python / R and strong in statistics.
  • Understanding of credit lifecycle and regulatory requirements.
  • Excellent analytical and communication skills.


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