The role will support the analysis, development and optimization of credit policies and strategies , with a focus on underwriting, credit line / loan amount assignment, and risk-based pricing . The individual will use analytical tools and data-driven insights to identify opportunities for profitable portfolio growth while effectively managing credit risk across the customer lifecycle. Strong analytical skills with hands-on experience in SQL ; working knowledge of Python preferred. Experience in credit risk strategy, credit policy, underwriting or portfolio analytics within Banking / Financial Services. Good understanding of credit underwriting, line assignment / credit limit strategies and risk-based pricing . Ability to analyze customer, application, bureau and portfolio data to identify trends and develop credit policy recommendations . Experience in evaluating the impact of policy changes on approval rates, credit losses, profitability and portfolio growth . Understanding of credit risk concepts such as eligibility criteria, risk segmentation, cut-offs, affordability, exposure management and pricing . Ability to define and monitor relevant risk and business KPIs to measure strategy performance. Experience with strategy testing, scenario analysis and A/B testing is preferred. Knowledge of external credit data sources such as credit bureaus, FICO or similar third-party data is preferred. Strong problem-solving skills with the ability to translate analytical findings into actionable business recommendations . Ability to communicate and present analyses and recommendations effectively to business and risk stakeholders . Knowledge of coding best practices, data manipulation and development of reusable analytical frameworks. Assist in the analysis, development and monitoring of credit policies , including underwriting, line assignment and pricing strategies. Analyze credit and portfolio data to identify opportunities for risk-adjusted growth and recommend policy changes. Develop and optimize underwriting criteria, credit line assignment and risk-based pricing strategies . Evaluate the impact of credit policy changes through portfolio analysis, scenario testing and experiments. Translate credit policies and strategies into business rules using SQL and Python . Monitor key credit risk and business performance metrics and proactively identify emerging trends. Collaborate with Risk, Product, Technology and Operations teams to implement credit policy changes.