Credit Risk Reporting Role - Financial Services

Job Description

- The incumbent will be required to work extensively in an integrated team environment to support portfolio managers by carrying out thematic portfolio analysis and reviews, identify portfolio trends and their drivers. Recommend portfolio optimization strategies basis the outcome of the thematic analyses

- Focus on contributing towards strategic objectives of improving profitability by highlighting Early Warning signals, Low Return analysis and RWA optimization

- Analyze the credit risk composition and the drivers of credit risk & profitability metrics of the global wholesale credit & lending portfolio

- Identify Early Warning signals using Moody's Credit Edge indicators, Stock prices, Credit Default Swaps, Short Interest volumes, Bond prices, Industry/sector news, change in regional or global outlook and macro-economic factors

- Support junior team members in conducting deep dive analysis on the low return clients and analysis of the key exposures in terms of loans and advances, net interest margin, limit, utilization and RWA

- Provide guidance to the team members in building an understanding of key metrics of credit risk portfolio, such as Expected Loss, Risk Weighted Assets, Exposure at Default, Probability of Default, Credit Risk Rating and Loss Given Default

- Coordinate with Origination Pricing on analysis of pricing data to prepare reports providing insights about pricing trends

- Work independently; lead execution on straightforward situations; effectively deploy internal and external resources

- Share information, knowledge and ideas with the team

- Understand and ensure compliance with all relevant internal and external rules, regulations and procedures that apply to the conduct of the business in which the jobholder is involved

- Maintain company internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators

Skills/Experience required

- Must have 4 - 8 years of relevant work experience

- MBA in Finance from a reputed institute

- Additional professional qualifications like CFA, FRM will be preferred

- Highly self-motivated, energetic and resilient

- Pragmatic and delivery focused

- Ability to work in a project-based environment with hard deadlines

- Good time management and prioritization skills; ability to juggle between multiple tasks

- Good understanding of credit risk concepts and risk & return profitability measures

- Good understanding of corporate finance, banking and associated Bank book products & trading-book products

- Understanding of accounting principles, especially fair valuation, general and specific loan loss provisions is preferable

- Competency in Microsoft Office applications, especially MS Excel, Power-point presentations

- Additional capability to understand and interpret SQL/SAS or database queries will be preferred

- Graduate/PostGraduate level qualification in any of these disciplines (B.E/B.Tech/BBA/BBM/B.com/B.Sc)

- Excellent communications - written and verbal and interpersonal / team skills

- Experience and ability to operate in a global setting / interact with Business Partners and Senior Management