Credit Risk Specialist

Credit Risk & Decisioning Specialist

Lending Domain SME India (Hybrid) Blue Polaris Inc.

Location

India (Hybrid - All regions considered)

Company

Blue Polaris Inc. bluepolaris.ai

Engagement

Consulting / Contractor

Level

Senior

Language

English (professional level required)

ABOUT BLUE POLARIS

At 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 approach.

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 Peru.

POSITION OVERVIEW

We 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-offer.

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 scale.

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 automation.

KEY RESPONSIBILITIES

Credit Policy & Decisioning Architecture

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

Automation Blueprinting & Knowledge Transfer

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

Performance Analytics & Model Governance

• Define performance analytics frameworks: approval/pull-through rates, EPD, vintage curves, loss forecasting (PD/LGD/EAD), early-stage delinquency, and back-testing protocols.
• 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 Engagement

• Build 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 lenders.
• Support pre-sales conversations by acting as the credit risk voice in client discovery sessions and solution design workshops.

REQUIREMENTS

Education

• Bachelor's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative field.
• Master's or postgraduate studies in Risk Management, Data Analytics, or Financial Engineering are a strong plus.

Experience

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