PowerCurve Originations Consultant / Senior Developer (ODS)

Design and develop strategies in power curve Execute tests using Power Curve design studio Identify, document, and track bugs and performance issues Collaborate with developers and QA teams to resolve defects Ensure APIs meet functional and non-functional requirements Analyze and report on test results, providing actionable insights Continuously improve testing processes and methodologies Participate in code reviews and provide feedback on API design PowerCurve Originations Consultant: To manage and implement Experian’s PowerCurve Originations platform, a decisioning tool used to automate credit applications and customer acquisition processes by analyzing data to make fast, accurate credit decisions based on pre-defined rules and strategies, essentially helping businesses identify and approve high-quality customers while mitigating risk; requiring expertise in data analysis, credit risk management, and the PowerCurve platform itself., Strategy development and Management: Designing and building decisioning rules and strategies within the PowerCurve platform to optimize customer acquisition while managing risk levels based on business objectives. Data integration: Connecting various data sources like credit bureaus, internal databases, and application data to feed into the PowerCurve platform for comprehensive decision making. Application workflow management: Configuring application processes within PowerCurve, including data capture, validation, and decisioning steps to streamline the customer onboarding experience. Performance monitoring: Tracking key metrics like approval rates, default rates, and customer acquisition costs to analyze the effectiveness of decisioning strategies and make necessary adjustments. Compliance management: Ensuring adherence to regulatory requirements related to credit decisioning and data privacy.

a. Designing, developing, and maintaining business rules within Experian’s PowerCurve platform, a cloud-based decision engine, to automate credit and risk-related decisions for clients across various industries, leveraging data analytics to optimize customer experiences and mitigate risk while adhering to regulatory compliance; essentially acting as a key player in building and managing the logic behind automated decision-making processes within the PowerCurve system b. Proficiency in the PowerCurve Originations platform, including its decisioning engine, data mapping, and strategy design features. Credit risk knowledge: Understanding of credit risk management principles, credit scoring models, and regulatory compliance related to lending. Data analysis skills: Ability to analyze large datasets, interpret trends, and translate insights into actionable strategies Business acumen: Understanding of business goals, profitability metrics, and the impact of credit decisions on the overall business