Job Location: Bangalore
Job title
Research Analyst/Senior Research Analyst/Lead Analyst – Loan Data Remediation Analyst
Location
Mumbai/Pune/Bangalore
Experience
4 – 12 years of experience across the credit transaction life cycle, with a good understanding of wholesale credit risk data for lending transactions
Job duties
Support credit risk function of global banks in establishing and effectively managing the credit risk loan data origination and remediation process:
- Work closely with process owners, SMEs, and Data leads, taking ownership of data update for new deals and data quality improvements for remediation efforts
- Understand bank’s existing framework and understand information management practices for wholesale credit documents
- Establish a standardized process to
– Source facility related credit / legal agreements, credit approval memos, commitment letter, fee letter, collateral and compliance packages
– Identify credit data related to the facility (for instance: deal information, collateral, covenant, exposure, limits, thresholds)
– Analyze loan data for existing facilities to identify data quality issues and correlate those issues with data specifications in the standardized process
– Remediate through appropriate inputs across and within the systems that are part of the entire transaction cycle
- Coordinate with other work streams to ensure data remediation efforts or outcomes adhere to project plans and requirements
- Build an adequate governance structure for timely connects with stakeholders to discuss data remediation plans, manage escalations, and effectively close the remediation process
- Maintain inventories of issues to catalog, monitor, assess, forecast and report on data quality issues
- Develop and maintain metrics, scorecards, and dashboards to report progress on new deals and data quality remediation efforts
Qualification
CA/MBA Finance/CFA/FRM
Skills required
Should have a minimum of 3+ years of experience in the credit risk function of a bank
- Credit risk data operations experience, gained either through industry or within a consulting environment; Corporate, commercial/ SME or IB experience
- Familiarity with wholesale lending documents such as credit agreements, credit memos, collateral documentation, compliance packages
- Good understanding of credit data, terminologies: lending products (term loans, revolvers, FX etc.), loan structures & terms (obligor, collateral, loan aging, origination fee, bets effort transaction, limits and sub-limits, fronting arrangements etc.)
- Knowledge/ experience of a wide range of credit data operations across systems
- Willingness to dig deep into data, and build additional insights into the credit portfolio
- Excellent communication skills in English (verbal and written)
Personal attributes/ Interpersonal skills required
- Independent and decisive mindset; strong analytical and problem-solving skills; a structured working style with passion for deep diving into problems
- Team player
- Ability to work on tight deadlines
- Excellent written and oral communication skills
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