Credit Modeling Analyst

18 hours ago

Karachi Division, Sindh, Pakistan Hugo Bank Full-time PKR 1 - PKR 2 Contract

Credit Modeling Analyst will develop, implement, and validate statistical and mathematical models to support credit risk assessment and decision-making across Consumer & Program Lending portfolios.

Credit Modeling Analyst will support the Head of Credit Risk, Merchant & Program Lending in building robust, data-driven models for credit scoring, risk measurement, and portfolio performance forecasting, ensuring model integrity through regular back‑testing and validation.

Core Responsibilities

  • Develop and implement statistical and mathematical credit models.
  • Identify, define, and calculate independent and dependent variables for model building and ensure accurate representation of credit risk parameters.
  • Collect, handle, cleanse, and prepare data from multiple internal and external sources for modeling purposes.
  • Ensure data integrity and accuracy throughout the data pipeline from extraction to model input by implementing effective data quality checks and cleansing procedures.
  • Maintain model documentation including data dictionaries, variable definitions, and transformation logic.
  • Conduct regular model back‑testing to assess model performance, stability, and predictive accuracy over time.

Qualifications

  • 1–3 years experience in the credit modeling, risk modeling or similar role within the banking or financial services industry.
  • Minimum master’s degree preferably in statistics, mathematics, econometrics or any relevant major.
  • Leadership skills.
  • Good interpersonal skills.