Risk Strategy Role - Bank

The Role Responsibilities

Job Role :

- Conduct portfolio analytics and deep dives as required by country / regional / Group Retail Credit.

- Develop credit strategies across the customer lifecycle of Origination, Portfolio Management 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 ad-hoc analytical requests to support policy changes.

- Participate in selective strategic initiatives to build and enhance Group's in- house analytics capabilities.

Processes :

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

Risk Management :

- Understanding of basic concepts of retail credit risk policies and frameworks. Quick Learning of bank specific policies and guidelines around risk management.

Governance :

- Awareness and understanding of the Bank specific policies around governance for data and related information and strict adherence to the same.

Regulatory and Business Conduct :

- Display exemplary conduct and live by the Group's Values and Code of Conduct.

- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct.

- This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

- Lead to achieve the outcomes set out in the Bank's Conduct Principles.

- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

- Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association.

Key Stakeholders :

- Head - CRM Analytics

- Head - CRM Secured, Unsecured

- Global Head - Credit Risk Management (Retail)

- Country Credit Head, Country CRM Head

- Regional Credit Officers / CROs

Our Ideal Candidate :

- Advanced degree (preferably Masters) in a Quantitative Discipline (e.g. Math, Stat, Eco, Engineering, Finance, MBA).

- 2 - 6 years desired relevant work experience.

Role Specific Technical Competencies :

- Analytics experience

- SAS, SQL

- Communication Skills

- Office tools (Excel / PowerPoint)

- Project Management Skills

- P&L forecasting and Understanding data structure

- Analytical Tools (Python, R, SAS Eminer, Knowledge Studio)

- Predictive Modelling, Machine Learning

- Financial Services products, in particular Retail Banking