CIMD - Marcus by Goldman Sachs - Cards Credit ECM Policy - Associate - Bengaluru

    • Bangalore, India

Consumer and Investment Management (CIMD)

Consumer and Investment Management g brings innovative solutions to traditional banking activities. We are a global team of lenders, investors, risk managers, skilled marketers, web experts and banking specialists. We provide a suite of solutions to help our customers meet their personal financial goals. We make direct investments in, and risk manage, a portfolio of corporate loans and securities. And we help transform distressed communities through investments and loans of private capital.

Digital Finance Description

Digital Finance, a subdivision of CIMD, is composed of the firm's digitally-led consumer businesses which include the global online consumer deposits business and the US online consumer lending business, the firm's first-ever direct-to-consumer platform built from the ground up. Digital Finance combines the strength and heritage of a 149-year-old financial institution with the agility and entrepreneurial spirit of a tech start-up. This unique dynamic allows us to help our customers achieve financial progress through customizable solutions that are grounded in value, transparency and simplicity.


Job Responsibilities:

  • Design and build recurring and ad hoc management reports related to credit and fraud risk, compliance, and operational performance and controls
  • Perform statistical analysis to identify trends and exceptions related to policy execution
  • Design, build, implement, test and monitor best in class credit decision workflows for digital banking products for top global financial firm.
  • Collaborate with marketing, analytics, decision science, operation and technology to build a seamless credit decision framework over customer lifecycle that covers targeting, underwriting and servicing of loans.
  • Analyze and evaluate potential vendors/data providers for incremental value in credit management strategies in a continuous improvement environment.
  • Keep up to date with applicable regulations and compliance requirements with possible interactions with internal and external regulators.

Basic Qualifications:
  • Bachelor's degree (U.S. or equivalent) in Mathematics, Statistics, Economics, Engineering or a related field.
  • 2+ years of experience working for a financial services company in risk management, technology or other quantitative function
  • Building, improving, or analyzing risk management in a digital consumer or small business lending context
  • Utilizing SAS, R, Python (or similar) for advanced statistical analysis
  • Utilizing Excel, Tableau, Power BI (or similar) to develop and distribute business analytics reporting related to loan portfolios
  • Deep understanding of available technology, products and pain points related to financial services portfolio management reporting and credit decision execution.
  • Managing several projects simultaneously and driving end-to-end project delivery
  • Hands-on experience with C++, Java , Python or an equivalent programming language, and thorough knowledge of object oriented software engineering concepts
  • Strong knowledge of data structures, algorithms and design patterns
  • Exceptional written and oral communication skills with a proven ability to articulate complex ideas, express and defend a point of view, and influence outcomes

Preferred qualifications:
  • Master's degree (U.S. or equivalent) in Mathematics, Statistics, Economics, Engineering or a related field.
  • Hands on experience on micro-service design and implementation, such as dedicated decision engines and/or orchestration layers.
  • Functional knowledge of U.S. credit bureau data and Risk Scorecard building infrastructure.



At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.

We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at .

We're committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://

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Goldman Sachs is an equal employment/affirmative action employer Female/Minority/Disability/Veteran/Sexual Orientation/Gender Identity

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