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Job Location: Bengaluru
Job Detail:
- 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 loan approvals/declines, credit line assignment, risk-based loan pricing, limit setting, loan loss modelling, line increase/decrease, etc.
- Credit risk management of the assigned retail portfolio and performing loan analytics (such as stress testing, sensitivity analysis)
- Suggesting and providing support during implementation of credit strategies across the loan life cycle (from origination to recovery/collection)
- Creating interactive dashboards to visually represent and review key 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 processes to bring in effectiveness and gain efficiency
- 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 retail loan life cycle operations such as loan origination, account/portfolio management or loan collections/resolution is required
- Experience in loan analytics – such as portfolio stress testing, loan loss modelling, is preferred
- Experience in SAS is a must
- Knowledge of regulations pertaining to banking and retail loans is preferred
- 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 Management and Client Management is preferred
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