Loss Forecasting & Credit Strategy Analyst - Python/SQL

About Us : Kadel Labs is a leading IT services company delivering top-quality technology solutions since 2017, focused on enhancing business operations and productivity through tailored, scalable, and future-ready solutions. With deep domain expertise and a commitment to innovation, we help businesses stay ahead of technological trends. As a CMMI Level 3 and ISO 27001 : 2022 certified company, we ensure best-in-class process maturity and information security, enabling organizations to achieve their digital transformation goals with confidence and efficiency.Job Title : Loss Forecasting & Credit Strategy Analyst (Credit Card)Experience : 5 - 10 YearsLocation : Jaipur, Udaipur, Bhopal & BangaloreAbout the Role : We are looking for an experienced Loss Forecasting & Credit Strategy Analyst to support loss forecasting, reserve analytics, and credit strategy development for a US credit card portfolio. The ideal candidate will combine strong analytical and technical skills with a solid understanding of credit risk and card portfolio dynamics.Key Responsibilities : - Build and maintain loss forecasting models using roll-rate, vintage, and CECL-aligned methodologies.- Develop baseline and stress-scenario forecasts and analyze forecast vs. actual variances.- Develop and evaluate credit strategies across line management, authorization, and collections.- Assess the P&L, credit risk, and loss impact of proposed strategies.- Apply AI/ML techniques to improve forecasting accuracy and scenario analysis.- Translate analytical insights into actionable credit strategy recommendations for senior stakeholders.- Collaborate with business, risk, finance, and technology teams.Required Skills & Experience : - 5 - 10 years of experience in Credit Risk, Loss Forecasting, Credit Strategy, or related analytics roles.- Hands-on experience with US credit card portfolios on the issuing side - US bank, card issuer, fintech, or GCC/captive supporting a US card business.- Strong proficiency in Python and SQL for forecasting, data analysis, and scenario modelling.- Working knowledge of CECL, stress testing, and reserve concepts; CCAR/DFAST exposure is an advantage.- Experience applying AI/ML to forecasting, credit risk, or analytics is preferred.- Strong Advanced Excel skills, including pivot tables, complex formulas, dashboards, and management reporting.- Excellent communication skills with the ability to work with US-based stakeholders and provide US business-hour overlap when required. (ref:hirist.tech) .