Kadel Labs is a deep-tech IT services company delivering high-quality technology solutions since 2017. We specialize in Digital Transformation, Data Engineering, Cloud, AI/ML, and Enterprise Applications, helping global enterprises build scalable and innovative solutions. Kadel Labs is a CMMI Level 3 and ISO 27001:2022 certified organization committed to engineering excellence and customer success.
- Role Purpose: Perform portfolio credit risk analytics across the account lifecycle — acquisitions, account management, and collections — for the US card portfolio.
- Key Responsibilities
- Analyze portfolio performance: approval rates, line assignment, utilization, delinquency, roll rates, and charge-offs
- Support development, monitoring, and validation of credit risk scorecards and underwriting criteria
- Conduct segmentation, champion/challenger, and policy impact analyses
- Apply ML/AI techniques to enhance risk models and analytical insights
- Analyze portfolio performance: approval rates, line assignment, utilization, delinquency, roll rates, and charge-offs
- Role-Specific Skills
- Strong Python (scikit-learn, statistical modeling) and SQL
- Understanding of US credit bureau attributes (FICO, Vantage, tradeline data) and card underwriting
- Experience with credit risk modeling techniques (logistic regression, gradient boosting) preferred
- Strong Python (scikit-learn, statistical modeling) and SQL
Requirements
- US Credit Card Experience: Hands-on experience supporting US credit card portfolios (issuing side) — e.g., US bank, card issuer, fintech, or captive/GCC supporting a US card business
- Python / SQL: Strong proficiency in Python and/or SQL for data extraction, analysis, and automation
- AI / AI Agent Experience (3+ years): More than 3 years of experience working with AI — building or working with AI agents, LLM-based solutions, machine learning models, or AI-driven analytics in a professional setting
- Excel: Advanced Excel skills, including pivot tables, complex formulas, and building management-ready reports and dashboards
- Communication: Strong written and verbal English communication; ability to work with US-based stakeholders and overlap with US business hours as needed
Skills Required
- Hands-on experience supporting US credit card portfolios on the issuing side
- Strong proficiency in Python and/or SQL for data extraction, analysis, and automation
- More than 3 years of professional experience working with AI, AI agents, LLM-based solutions, machine learning models, or AI-driven analytics
- Advanced Excel skills, including pivot tables, complex formulas, and management-ready reports and dashboards
- Strong written and verbal English communication skills
- Ability to work with US-based stakeholders and overlap with US business hours as needed
- Understanding of US credit bureau attributes, including FICO, Vantage, and tradeline data, and card underwriting
- Experience with credit risk modeling techniques such as logistic regression and gradient boosting
What We Do
Kadel Labs is a deep-tech IT services and product-engineering company that helps organizations modernize systems, use data effectively, adopt AI, and build scalable digital products across multiple industries. Its offerings include data engineering and analytics, cloud engineering, software development and modernization, Gen AI services, and SaaS platforms. The company also operates as a startup studio supporting early-stage founders and technology ventures.
