FICO TRIAD

Responsibilities

• Design, configure, and maintain TRIAD decision trees for:
  • Authorization (real-time transaction decisions)
  • Billing (delinquency, line management)
  • Scoring (risk segmentation)
  • Marketing (offer eligibility & targeting)
• Implement rules, splits, and strategy logic aligned to business policies.
• Support strategy versioning, deployment, and rollbacks.
• Define and work with TRIAD Keys (account, customer, transaction level).
• Perform data mapping, variable creation, and attribute derivation.
• Ensure data accuracy and proper feeding into the TRIAD decision engine.
• Support real-time and batch processing strategies.
• Monitor and optimize:
  • Approval/decline decisions
  • Risk segmentation performance
  • Strategy effectiveness
• Execute champion/challenger testing.
• Perform strategy testing (SIT/UAT).
• Conduct simulation and what-if analysis using historical data.
• Validate decision outcomes before production release.
• Assist in delivery of TRIAD initiatives, enhancements, or upgrades.
• Coordinate with business (risk/credit/marketing) and technology teams.
• Track tasks, timelines, dependencies, and issues.
• Support structured delivery aligned with project management practices.
• Work with cross-functional teams to gather requirements.
• Translate business rules into TRIAD strategy logic.
• Participate in workshops and discussions for solution definition.

Requirements

• Hands-on experience with FICO TRIAD 9.2.
• Strong understanding of decision trees and rule-based engines.
• Knowledge of the credit risk lifecycle (Authorization, Billing, Scoring, Marketing).
• Experience working with Keys, variables, and data mapping in TRIAD.
• Basic SQL and data analysis skills.
• Strong analytical and problem-solving ability.