Senior Associate - Credit Risk Analytics - Bank

Consumer credit senior associate : 19 LPA budget

- Over all experience around 4+ years in similar role with at least 2 years of unsecured lending experience in reporting or analytic functions

- Strong knowledge of Excel/VBA/MS Office Products

- Expertise in SAS, macros, SPSS or R

- Understanding of credit risk or data analytics domain

About The Role:

- It starts with you. We must attract, develop, retain and motivate the most talented people - those who care and who work together as partners across business units and functions. We value and promote diversity and inclusion in every aspect of our business and at every level of our organization.

Responsibilities may include (but are not limited to):

- We are looking for an experienced Risk consultant for the Consumer Credit Risk team. Responsibilities for this position will include, but not be limited to, the following:

- Apply advanced analysis to support risk management regarding data requirement, credit performance, business analysis, forecasting or modeling

- Perform complex activities related to business analysis. Assess and predict risk performance across functions

- Develop dynamic dashboards and provide insights and deep dives. Support monitoring framework to track, monitor and mitigate any potential and identified credit risks

- Contribute actively in development of credit policies, approval/decline strategies, models, credit line assignment methods, collections and recovery strategies.

- Participate in development, validation or monitoring of qualitative or quantitative models

- Support analysis and development of credit risk data-fields, data-marts and meta-data. Help in data migrations, system transitions, data-mapping, data lineage, data reconciliation and documentation

- Perform portfolio deep dives and ad-hoc analysis to understand portfolio trends, develop revenue / loss forecasts and deliver actionable solutions

- Knowledge of functional area with regards to risk data, processes, tools and methodologies

- Liaison with different stakeholders and partners to deliver quality projects

Minimum Qualifications : 

- Over all experience around 4+ years in similar role with at least 2 years of unsecured lending experience in reporting or analytic functions

- Bachelor's degree or higher in a quantitative fields such as applied mathematics, statistics, engineering, finance, economics, econometrics or computer sciences

- Strong knowledge of Excel/VBA/MS Office Products

- Expertise in SAS, macros, SPSS or R

- Understanding of credit risk or data analytics domain

- Direct experience building and automating production, and/or performance reports

- Strong analytical skills with high attention to detail and accuracy

- Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment

- Good verbal, written, and interpersonal communication skills

- Ability to develop partnerships and collaborate with other business and functional areas

- Experience determining root cause analysis

Preferred Qualifications : 

- A credit risk management analyst with at least 4 years of increasing responsibility within consumer lending

- Advanced degree in Statistics/Finance/Engineering/other quantitative disciplines

- Understanding of analytic/scored decisioning environment

- Demonstrated excellence at developing sound credit processes and enhancing existing processes

- Proficiency in Advanced SAS and SAS macros; Tableau or BI/automation tools