• Very good understanding of Predictive modeling techniques and their application. • Knowledge of Credit life cycle • Statistics and machine learning techniques. • Conducted and applied statistical methodologies including linear regression, logistic regression, ANOVA/ANCOVA, CHAID/CART, cluster analysis. • Good understanding of Probability of Default (PD), LGD and EAD modeling technique.• Team player and collaboration skills. • Programming skills in SAS, GCP, R and PYTHON. • Fluency with Excel, PowerPoint and Word • Strong written and oral presentation / communication skills – must have the ability to convey complex information simply and clearly