Job Location: The Great Bharat
Job Purpose
- Support sound credit risk management and achieve optimal level of risk-reward balance for CBG portfolios
- Cultivate & maintain a consistent consumer credit culture in the Bank to ensure compliance with internal controls and regulatory standards
Key Accountabilities
- Perform portfolio analysis, monitor portfolio performance and proactively manage emerging risks due to macro-economic and regulatory changes.
- Forward-looking risk identification and management across different risk types.
- Engage proactively with stakeholders from Business, Business Analytics, Credit Strategy, Credit Approval, Technology, Operations etc
- Provide management and regulatory reporting and commentary on portfolio performance and key trends
- Support Credit Digitalisation projects
Job Duties & responsibilities
- Perform regular and ad-hoc risk reporting to consumer credit management/ line of business stakeholders and MIS preparation for regulatory reporting.
- Run and produce MIS for reporting on risk exposures and metrics to enable informed and strategic decision-making.
- Identify opportunities/ gaps to improve data quality and existing reporting processes
- Apply analytics and data mining techniques using credit data and alternative data sources to monitor portfolio performances based on established portfolio triggers
- Present MIS & data in required formats which are visual, universally understandable or easy to interpret (e.g. dashboards).
- Analyse portfolio performance to assess risks and opportunities to maximize product profitability.
- Conduct portfolio stress testing to establish portfolio risk tolerance.
- Establish credit methodology to derive customer level income and max indicative secured credit limit using banking and credit bureau data.
- Provide UAT support for any data migration or MIS platform enhancement to ensure successful implementation.
Experience
- At least 5-7 years of relevant experience in financial sector or relevant working experience in statistics, data analytics and/ or project management
Education / Preferred Qualifications
- Degree holder, preferably in risk management/ quantitative discipline
- Knowledge of Python programming together with Knowledge of Visualisation tools such as Tableau with strong command of Microsoft Office (Word, Excel, Powerpoint & Access).
- Good understanding and knowledge of credit cycle management in a consumer credit environment preferred.
Work Relationship
- Team-player with good inter-personal, communication & writing skills.
- Meticulous with strong analytical and problem-solving skills.
- Seek to understand stakeholder’s point of view and find win-win solution.
- Motivated and self-driven.
Primary Location: India
Job: Risk Management
Schedule: Regular
Employee Status:
Full-time
:
Job Posting: Sep 29, 2022, 10:42:08 PM
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