About the role
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