Developer (SAS/SAS Fraud management System) - Credit Risk Rules Engine

• Analysis, design, and implementation of all credit risk rules to support models, strategies as well as adjudication actions
• Creating new rules or maintaining existing credit rules for Authorizations in SAS Fraud Management System (FSM) / SAS Raptor tool and perform unit testing to validate the rules logic
• Test individual components of the business rules and models to ensure they function as intended
• Complete unit testing of all rule build activities
• support testing on all defects
• Subject matter expertise in the data for the business object model (BOM) data that is used for reporting, analytics, and decisions coming from Rules Build
• Stay abreast of technological advancements and industry best practices to continuously improve the credit risk strategies
• Perform the rules validation of all customer-facing credit risk platforms post-deployment, ensuring that they function as intended, align with business strategies, and meet regulatory requirements
• Development and execution of Authorization credit rules validation frameworks, focusing on performance, rule accuracy, and platform effectiveness across all credit risk decisioning systems
• Partner with risk management, IT, and operations teams to assess potential vulnerabilities, gaps, or deficiencies in system performance and address them promptly
• Implement credit auth monitoring processes that assess credit risk platforms’ operational performance, data integrity, and customer impact across various product lines
• Ensure timely resolution of production issues, including the identification of root causes, formulation of solutions, and collaboration with technology teams to implement necessary fixes or enhancements
• Ensure all customer-facing credit risk platforms perform reliably in production, minimizing any negative impact on the customer experience due to system errors, downtimes, or performance issues
• Support initiatives to continuously improve platform stability, reducing risk to customers and ensuring the organization’s credit risk models and rules are consistently delivering accurate decisions
• Engage with business stakeholders to understand customer needs and expectations, ensuring production systems evolve to meet them efficiently and effectively
• Ensure all pre & post-implementation validation activities meet regulatory and compliance requirements, including alignment with policies related to credit risk, data usage, and customer protection
• Develop and maintain documentation and audit trails that demonstrate compliance with regulatory expectations for system validation and ongoing monitoring, particularly in highly regulated environments
• Collaborate with internal and External audit, compliance and regulatory bodies to provide transparency into the rules implementation of credit risk platforms
• Enhance the governance and control frameworks for credit risk platforms, with a focus on operational risk management in production environments
• Implement ongoing risk assessments to identify and mitigate emerging risks in production systems, ensuring that customer-facing platforms maintain stability and performance standards over time
• Collaborate with cross-functional teams to ensure that all risk controls are integrated into the credit decisioning process and that issues are escalated appropriately

• 2+ years of experience in credit risk analysis or corporate banking/ financial institutions
• Hands on experience on Base SAS, Advance SAS, SAS FMS/SAS Raptor tools
• Knowledge of credit and banking products, credit analytics, risk assessment, and transaction execution
• Basic understanding of credit risk management, technology platforms, and operational risk controls, particularly in the context of post-implementation processes
• Familiarity with modern monitoring tools, risk management frameworks, and production systems used to assess technology performance in real-time
• Strong analytical skills in conducting analysis using authorizations transactions data to identify anomalies and adverse trends
• Statistical knowledge – familiar with key statistic metrics/ concepts
• Clear and concise written and verbal communication skills
• Proven ability to work with little direction and in a team
• Demonstrated accountability, self-motivation and business acumen

Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation