Credit Risk Analyst - BFSI
Location: Bangalore/ Pune/Gurugram - 4+ Years
Notice Period: Immediate - 15 Days
About the Role
We are looking for a Credit Risk Analyst to join our dynamic team at EXL. The role involves developing, validating, and monitoring credit risk models, ensuring regulatory compliance, and collaborating with cross-functional teams to deliver impactful risk insights.
Key Responsibilities
- Develop, validate, and monitor credit risk models for retail/commercial portfolios.
- Perform model implementation, back-testing, and performance tracking.
- Work with large datasets using SQL (complex queries) and SAS (Base & Advanced).
- Build and automate solutions using Python programming.
- Conduct model validation as per regulatory and business standards.
- Prepare documentation, model reports, and risk assessment summaries.
- Support regulatory audits and reviews (IFRS9, Basel norms).
Skills & Expertise Required
- SAS (Base & Advanced) - data manipulation & statistical procedures.
- SQL (complex queries) - Joins, subqueries, CTEs, optimization.
- Python Programming - automation, model development, data handling.
- Credit Risk Modelling - Scorecards, PD/LGD/EAD modeling, validation.
- Statistical techniques - regression, time-series, clustering, etc.
- Strong understanding of regulatory compliance & documentation.
Preferred Qualifications
- Bachelors/Masters in a relevant field.
- 2-7+ years of experience in credit risk analytics / model development.
- BFSI / Banking / Financial Services domain exposure.
Soft Skills
- Strong analytical & problem-solving ability.
- Effective stakeholder communication & reporting.
- Attention to detail, ability to manage large datasets.
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