Senior Research Analyst Loan Origination and Loan Management (Retail Banking)

- The role entails supporting the Credit Risk team of a global bank, in analysing their retail lending products (such as mortgages, credit cards, loans and overdrafts)

- Supporting loan origination activities such as risk-based loan pricing, limit setting, loan loss modelling, line management, etc.

- Credit risk management of the assigned retail portfolio and performing loan analytics (such as stress testing, sensitivity analysis)

- Suggest credit strategies across the loan life cycle (from origination to recovery/collection)

- Creating interactive dashboards to visually represent and reviewkey metrics and performance/trends for the underlying retail lending portfolio

- Generating MIS, business insights and highlighting portfolio hotspots by deploying available data and applying statistical tools/techniques

- Regular interaction with the client to discuss loan origination/management strategies, visualisation dashboards as well as workflow

- Engage with client teams proactively and identify opportunities for standardization of processesto bring in effectiveness and gain efficiency

The following traits are mandatory:

- Strong understanding of core finance and accounting concepts. Knowledge of financial services and retail banking operations (ideally in a global bank set-up) are required

- Prior experience in the loan life cycle operations, particularly loan origination is required

- Experience in loan analytics - such as portfolio stress testing, loan loss modelling, is required

- Knowledge of Python/SAS/R, SQL and other equivalent analytical tools is a must

- Knowledge on Data Visualization tools such as Tableau and Qliksense is preferred

- Knowledge of regulations pertaining to banking andretail loans

- Excellent report writing and communication skills

- Strong process orientation and time management skills

- Ability to communicate analytical thoughts in a crisp, concise and precise manner

- Strong inter-personal skills and ability to participate/contribute as a team player

- Prior experience in Retail Loan Management, Business Analysis, Project Managementand Client Management is preferred

Masters in Finance/Mathematics/Economics/Statistics / CA. CFAcertifications will be an advantage

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