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Credit Modeling Analyst at HugoBank
Karachi, Sindh, Pakistan -
Full Time

Start Date

Immediate

Expiry Date

23 Aug, 26

Salary

0.0

Posted On

25 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Credit Modeling, Risk Modeling, Statistical Modeling, Mathematical Modeling, Data Cleansing, Back-testing, Model Validation, Portfolio Performance Forecasting, Credit Scoring, Data Pipeline Management, Leadership, Interpersonal Skills

Industry

Financial Services

Description
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 : 1. Develop and implement statistical and mathematical credit models. 2. Identify, define, and calculate independent and dependent variables for model building and ensure accurate representation of credit risk parameters. 3. Identify, define, and calculate independent and dependent variables for model building and ensure accurate representation of credit risk parameters. 4. Collect, handle, cleanse, and prepare data from multiple internal and external sources for modeling purposes. 5. Ensure data integrity and accuracy throughout the data pipeline from extraction to model input by implementing effective data quality checks and cleansing procedures. 6. Maintain model documentation including data dictionaries, variable definitions, and transformation logic. 7. Conduct regular model back-testing to assess model performance, stability, and predictive accuracy over time. 1-3 years experience in the credit modeling, risk modeling or similar role within a banking or financial services industry. Minimum masters degree preferably in statistics, mathematics, econometrics or any relevant major. Leadership skills. Good inter personal skills.
Responsibilities
Develop, implement, and validate statistical and mathematical models for credit risk assessment and decision-making. Responsibilities include managing data pipelines, conducting model back-testing, and maintaining detailed model documentation.