It's fun to work in a company where people truly BELIEVE in what they are doing!
We're committed to bringing passion and customer focus to the business.
It's fun to work in a company where people truly BELIEVE in what they are doing!
We're committed to bringing passion and customer focus to the business.
Fractal Analytics is a strategic AI partner to Fortune 500 companies with a vision to power every human decision in the enterprise. Fractal is building a world where individual choices, freedom, and diversity are the greatest assets. An ecosystem where human imagination is at the heart of every decision. Where no possibility is written off, only challenged to get better. We believe that a true Fractalite is one who empowers imagination with intelligence. And that it will be such Fractalites that will continue to build the company for the next 100 years.
- Core Experience:
- 10+ years' of deep experience in credit risk modelling and/or model risk validation, with significant time spent within the banking or financial services industry.
- Mandatory: In-depth, practical knowledge of Australian regulatory requirements, particularly APRA standards (APS 112, 113, 220) and their application in a major bank.
- Proven track record leading the delivery of complex modelling projects (e.g., IFRS9, Basel III, Stress Testing) for both Retail and Wholesale portfolios.
- Strong background in building credit risk frameworks and models including PD, LGD, EAD, Application & Behavioural Scorecards. Ability to understand and explain credit model behaviours (e.g. PD migration, LGD recovery, EAD utilisation) and interpret testing outputs (e.g. statistical results, stability metrics)
- Strong background in quantitative finance and statistics, including regression models, discrimination measures (Gini/AUC), correlation, and stability testing.
- Demonstrable experience leading and mentoring analytics teams, ideally in an offshore or distributed team environment.
Brief about Fractal:
Overview
Fractal is one of the most prominent providers of Artificial Intelligence to Fortune 500® companies. Fractal's vision is to power every human decision in the enterprise, and bring AI, engineering, and design to help the world's most admired companies.
Fractal's businesses include Crux Intelligence (AI driven business intelligence), Eugenie.ai (AI for sustainability), Asper.ai (AI for revenue growth management) and Senseforth.ai (conversational AI for sales and customer service).
Fractal incubated Qure.ai, a leading player in healthcare AI for detecting Tuberculosis and Lung cancer. Fractal currently has 4000+ employees across 16 global locations, including the United States, UK, Ukraine, India, Singapore, and Australia.
Fractal has been recognized as 'Great Workplace' and 'India's Best Workplaces for Women' in the top 100 (large) category by The Great Place to Work® Institute; featured as a leader in Customer Analytics Service Providers Wave™ 2021, Computer Vision Consultancies Wave™ 2020 & Specialized Insights Service Providers Wave™ 2020 by Forrester Research Inc., a leader in Analytics & AI Services Specialists Peak Matrix 2022 by Everest Group and recognized as an 'Honorable Vendor' in 2022 Magic Quadrant™ for data & analytics by Gartner Inc. For more information, visit fractal.ai
Our Values | Fractal Analytics
Founded in 2000, Fractal Analytics is a strategic analytics partner to the most admired Fortune 500 companies globally and helps them power every human decision in the enterprise by bringing analytics & AI to the decision-making process.
fractal.ai
If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us!
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Skills Required
- 10+ years experience in credit risk modelling or model risk validation.
- In-depth knowledge of Australian regulatory requirements, primarily APRA standards.
- Experience leading complex modelling projects like IFRS9 and Basel III.
- Strong background in building credit risk models including PD, LGD, EAD.
- Experience in quantitative finance and statistical analysis techniques.
- Demonstrable experience leading and mentoring analytics teams.
Fractal Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Fractal and has not been reviewed or approved by Fractal.
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Healthcare Strength — Health coverage includes medical, dental, and vision along with tax‑advantaged accounts and EAP in the U.S., indicating a broad core package. Feedback suggests core protections exist across regions, though specifics can vary by location.
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Leave & Time Off Breadth — Time‑off programs include generous PTO, paid holidays and sick time, paid volunteer time, and sabbaticals in some areas. Some accounts also describe manager‑approved or flexible PTO approaches alongside hybrid/WFH latitude.
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Flexible Benefits — Work arrangements commonly include remote/hybrid options and flexible schedules. Flexibility is frequently highlighted as part of the overall value proposition.
Fractal Insights
What We Do
Fractal is one of the most prominent players in the Artificial Intelligence space. Fractal's mission is to power every human decision in the enterprise and brings AI, engineering, and design to help the world's most admired Fortune 500® companies. Fractal's products include Qure.ai to assist radiologists in making better diagnostic decisions, Crux Intelligence to assists CEOs, and senior executives make better tactical and strategic decisions, Theremin.ai to improve investment decisions, and Eugenie.ai to find anomalies in high-velocity data & Samya.ai to drive next-generation Enterprise Revenue Growth Management. Fractal has more than 3,000 employees across 16 global locations, including the United States, UK, Ukraine, India, Singapore, and Australia. Fractal has consistently been rated as India's best companies to work for, by The Great Place to Work® Institute, featured as a leader in Customer Analytics Service Providers Wave™ 2021, Computer Vision Consultancies Wave™ 2020 & Specialized Insights Service Providers Wave™ 2020 by Forrester Research, and recognized as an "Honorable Vendor" in 2021 Magic Quadrant™ for data & analytics by Gartner.
