- High level Role Description

- Conduct portfolio analytics and deep dives as required by country/regional/Group Retail Credit. Develop credit strategies across the customer lifecycle of Origination, Portfolio Mgmt and Collections.

- Create insights for Retail Risk by studying portfolio trends, performing necessary analytics such as segmentation, profiling, cut-off setting, stress testing, sensitivity analyses

- Timely identification of shifts in portfolio risk profile and re-aligning risk-measurement tools for effectiveness and continuously enhance data-driven credit decisions

- Provide analytical support to various Risk Reviews, perform adhoc analytical requests to support policy changes

- Participate in selective strategic initiatives to build and enhance Group's in-house analytics capabilities; Research on emerging trends in analytics industry

- Embed Bank's risk management and decisioning framework in day-to-day work, ideate / self-initiate necessary analytics to drive portfolio performance

- As per TOM supervise and coach team members for effective project delivery

- Competency expected in role

- Strong logical reasoning ability. Ability to perform various industry-standard complex statistical analysis in relation to credit risk problems

- Ability to work with data organized across platforms and formats (DB2 tables, SAS datamarts, Excel spreadsheets, text files)

- Ability to blend in existing BAU analytical projects and processes in a seamless manner

- Ability to bring out meaningful and actionable insights from unstructured data

- Maintaining the desired quality of analytics within stipulated timeframe

- Ability to work with multiple departments and stakeholders within the Bank to achieve end results

- Ability to lead team members across multiple project assignments, while delivering on own projects

Key Stakeholders:

- Regional Credit Officers/CROs

- Country Credit Head

- Regional/Country Business Segment Heads

- Global Head - Credit Risk Management (Retail)

- Head of CRM Analytics - SCMAC

Key Measurable:

- No direct business targets on asset growth or portfolio profitability

- Timely and accurate analytical insights to support good portfolio growth and optimized risk return decisions

- Process governance as per organizational standards

- Effective people management of direct reports (if applicable)

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