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.
Experian Careers - Creating a better tomorrow together
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Experian Careers - Creating a better tomorrow together
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Skills Required
- 8+ years of experience in credit risk modeling across the customer life cycle
- Domain expertise in MSME lending, underwriting, credit assessment, risk segmentation, bureau-based lending, alternative-data lending, and portfolio risk management
- Understanding of machine learning techniques and algorithms, including Gradient Boosting and K-Nearest Neighbors
- Knowledge of Linear Regression, Logistic Regression, and Decision Tree modeling frameworks
- Experience working with large datasets using Python
- Hands-on experience with statistical modeling and data analysis tools, including SAS and Python
- Applied statistics skills, including distributions, statistical testing, and regression
- Experience in decisioning and portfolio management within banking and financial services
- Understanding of credit bureaus
- Extensive experience managing large projects
- Experience in financial services or an international bank modeling department
- Ability to interpret technical features into commercial benefits
Experian Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Experian and has not been reviewed or approved by Experian.
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Healthcare Strength — Medical and dental coverage is described as strong, with expanded mental health resources and telemedicine options. Coverage includes inclusive services such as gender transition and fertility support.
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Leave & Time Off Breadth — Time-off offerings are generous, including substantial PTO/vacation, paid holidays, and paid volunteer days with options to purchase additional leave. Parental leave is available for birth and non-birth parents alongside flexible working arrangements that support work-life balance.
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Retirement Support — Retirement programs include a 401(k) with company matching and contributory pension schemes in some regions. These elements complement base pay and bonuses to form a competitive total rewards package.
Experian Insights
What We Do
Experian unlocks the power of data to create opportunities for consumers, businesses and society. During life’s big moments – from buying a home or car, to sending a child to college, to growing a business exponentially by connecting it with new customers – we empower consumers and our clients to manage data with confidence so they can maximize every opportunity. We gather, analyse and process data in ways others can’t. We help individuals take financial control and access financial services, businesses make smarter decision and thrive, lenders lend more responsibly, and organizations prevent identity fraud and crime. For more than 125 years, we’ve helped consumers and clients prosper, and economies and communities flourish – and we’re not done. Our 20,600 people in 43 countries believe the possibilities for you, and our world, are growing. We’re investing in new technologies, talented people and innovation so we can help create a better tomorrow. About Experian: Bringing data to life requires creativity, passion, flexibility and expertise. We want you to share in our success. That's why we offer rewards that recognise great performance. Working in a culture of collaboration, achievement and respect we will give you the support and encouragement you need to develop your skills and talents and progress your career. Everyday our people bring enthusiasm, innovation and inspiration to work and if this sounds like you connect with us at Experian.
