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28/06 Debalina Roy
Head of Talent Management in Corporate Human Resources at Arohan Financial Services Ltd.

Views:430 Applications:40 Rec. Actions:Recruiter Actions:14

Arohan - Advanced Analytics & Portfolio Manager (10-15 yrs)

Kolkata Job Code: 1117482


Position title : Advanced Analytics & Portfolio Manager (AAPM)

Department : Risk

Reports to : Portfolio & Credit Risk Head

Location : Kolkata (Head Office)

Band/Grade : Senior Manager


Reports directly to : Portfolio & Credit Risk Head

Reports indirectly to : Chief Risk Officer (CRO)

Number of Staff Supervised :

Direct Reportee : Nil

Indirect Reportee : Nil

Total : Nil


- Credit Risk Modelling, Analytics & Reporting

- Implementation of Analytics driven credit decision engine for faster credit decision using Predictive

scoring models, Artificial Intelligence and Machine Learning techniques

- Monitor, maintain and improve scorecards across products/portfolios including continuous validation

and recalibration of the model as per defined frequency or before basis sectoral evolution

- Maintaining Audit Trails of Score cards model evolutions/changes, along with exhaustive set of change

description, test strategy & test cases

- Interpretation of Credit Scores from credit rule perspective and suggest mechanism to use Credit Scores as an input to risk based pricing supported by solid data driven analytics

- Forecasting of Roll Rates and Bucket Position for all buckets based on historical roll rates across product lines

- Regulatory modelling, ECL, Scorecard development and comparison & interpretation of ECL results and Acquisition scores

- Provide analytical solutions through statistical modelling, reporting and data analysis for the businesses & publish crisp effective reports & recommendations.

Stakeholder Management :

- Ongoing liaising with IT and Credit to ensure all required changes are built in, tested and implemented suitably following internal timelines.

- Work closely with Risk, Central Operations -Product & Business department to support business growth and drive new initiatives including knowledge & success transfers.

- Independently manage vendors/partners and ensure prompt & timely delivery of results for the


Capability Development :

- Develop capabilities in Predictive Analytics in a retail/micro retail credit segment perspective and apply those in Arohan Risk to help the Arohan risk dept. be future fit.

- Develop capabilities in Artificial Intelligence, Machine Learning, Deep Learning techniques to understand customer behavior at one hand & to fast-track & improvise credit decisioning on the other

- Develop Knowledge of Advanced Statistical Tool & Technique and train the risk team in that for efficient delivery in other risk areas


- Particulars Time Allocation (%)

- Modelling Analytics solutions, Reporting & Forecasting : 40%

- Risk Monitoring, Review & Engagement : 40%

- Risk Process development & Initiatives : 20%


Qualification :

Post Graduates with Graduation in Economics/Mathematics/Statistics/Engineering.

- An MBA would be preferable but not necessary

- Additional certification in data science will be a plus

- Years of Experience 10 - 15 years experience in Analytics/Data Science

- Domain Experience Exposures in line with the JD. Exposure in Financial services/banking preferred.

Technical Acumen :

- Knowledge of Advanced Excel Statistical tools such as R, Python/SAS; BI tools such as Tableau & Query language such as SQL is must

- Knowledge of XML, XSD schema and API will be a plus

- We are looking for Result Oriented, Self-Driven & Delivery Oriented team member capable of taking

ownership, holding fort & lead senior management level discussion with appropriate communication skills & timely deliveries

Women-friendly workplace:

Maternity and Paternity Benefits

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