Credit Risk Specialist

Credit Risk & Decisioning Specialist

Lending Domain SME India (Hybrid) Blue Polaris Inc.

Locatio

nIndia (Hybrid - All regions considered

) Compan

yBlue Polaris Inc. bluepolaris.a

i Engagemen

tConsulting / Contracto

r Leve

lSenio

r Languag

eEnglish (professional level required

)
ABOUT BLUE POLAR

ISAt Blue Polaris, we are redefining how businesses make decisions. As a global leader in decision automation, AI, and business architecture, we partner with Fortune 500 companies to design intelligent, transparent systems using Decision Model and Notation (DMN) and our proprietary Decisions First approac

h.We don't just solve problems - we model how organizations think, decide, and act. By combining AI, analytics, business architecture, and human expertise, we help enterprises improve outcomes at scale. As we expand into Latin America, we are growing our delivery hub with new operations in Panama and Per

u.
POSITION OVERV

IEWWe are looking for a Credit Risk & Decisioning Specialist - a banking-side expert who has owned credit risk policy, underwriting logic, and decisioning strategy for retail lending products. This is a domain advisory role, not a technology role. We need someone who understands exactly how banks make lending decisions: the policies, the scorecards, the regulatory constraints, and the logic that sits behind every approval, decline, and counter-off

er.Your mission is to help Blue Polaris understand, model, and automate what banks actually decide. Working directly with our automation architects, you will translate real-world credit risk policies and decisioning frameworks into structured DMN models, automation blueprints, and client-facing demos that show banks how their own decision logic can be automated, governed, and optimized at sca

le.The ideal candidate has held a senior credit risk, policy, or decisioning role on the bank or lender side - and can bridge the gap between risk management depth and AI-driven decision automati

on.
KEY RESPONSIBILI

TIESCredit Policy & Decisioning Architec

• tureDraft, refresh, and document credit policies and procedures across lending products: mortgage (DTI/LTV/CLTV, AUS), auto (collateral/valuation/AVM), and unsecured (bureau strategies, P
• TI).Design decision strategies including champion/challenger frameworks, A/B and multivariate testing, cutoff management, line/limit strategies, risk-based pricing, adverse-action logic, and reconsiderati
• ons.Map full origination decisioning flows across the lending funnel: pre-screen application KYC/AML underwriting verification approval/decline onboard
• ing.Define credit box, risk appetite, segmentation logic, and underwriting waterfall structures (rules engines, scorecards, ML overlays, manual review tie

rs).
Automation Blueprinting & Knowledge Tra

• nsferTranslate credit risk and underwriting logic into structured DMN (Decision Model and Notation) models and business rules frameworks that Blue Polaris's automation teams can imple
• ment.Work with automation architects to identify which decisioning components can be fully automated, which require human-in-the-loop, and which need ML/AI ove
• rlay.Support PoC design for decisioning engine integration, scorecard automation, adverse-action generation, and real-time bureau orchestra

tion.
Performance Analytics & Model Gove

• rnanceDefine performance analytics frameworks: approval/pull-through rates, EPD, vintage curves, loss forecasting (PD/LGD/EAD), early-stage delinquency, and back-testing prot
• ocols.Establish model governance standards aligned with SR 11-7 (MDPs/MD&As, validation plans, monitoring, explainability standards including reason codes/
• SHAP).Align all artifacts with US compliance requirements: FCRA, ECOA/Reg B, TILA/Reg Z, UDAAP, GLBA, BSA/AML & OFAC, HMDA/TRID (mortgage),

SCRA.
Go-to-Market Collateral & Client Eng

• agementBuild client-facing POVs, demos, and capability collateral that demonstrate how Blue Polaris automates credit decisioning end-
• to-end.Contribute to solution blueprints, sanitized case studies, and proposal/RFP content targeting retail banking l
• enders.Support pre-sales conversations by acting as the credit risk voice in client discovery sessions and solution design wor

kshops.
REQU

IREMENTSE

• ducationBachelor's degree in Finance, Economics, Statistics, Mathematics, or a related quantitativ
• e field.Master's or postgraduate studies in Risk Management, Data Analytics, or Financial Engineering are a stro

ng plus.
E

• xperienceHands-on credit risk experience on the bank or lender side - in originations, underwriting policy, or decisioning strategy for retail lending