Assistant Manager/Manager - Credit Risk Strategy/Credit Lifecycle - SAS - BFS

Assistant Manager/Manager - Credit Risk Strategy/Credit Lifecycle - SAS - BFS

Looking for professionals having 2 - 9 years of experience into risk strategy, should have experience working on credit life cycle, has worked on acquisition, CLI, CLD, underwriting, collection, recovery, origination, portfolio management etc. and hands on exposure on SAS.

RESPONSIBILITIES :

High level Role Description

- Conduct portfolio analytics and deep dives as required by country/regional/Group Retail Credit. Develop credit strategies across the customer lifecycle of Origination, Portfolio Mgmt and Collections.

- Create insights for Retail Risk by studying portfolio trends, performing necessary analytics such as segmentation, profiling, cut-off setting, stress testing, sensitivity analyses

- Timely identification of shifts in portfolio risk profile and re-aligning risk-measurement tools for effectiveness and continuously enhance data-driven credit decisions

- Provide analytical support to various Risk Reviews, perform adhoc analytical requests to support policy changes

- Participate in selective strategic initiatives to build and enhance Group's in-house analytics capabilities; Research on emerging trends in analytics industry

- Embed Bank's risk management and decisioning framework in day-to-day work, ideate / self-initiate necessary analytics to drive portfolio performance

- As per TOM supervise and coach team members for effective project delivery

Competency expected in role

- Strong logical reasoning ability. Ability to perform various industry standard complex statistical analysis in relation to credit risk problems

- Ability to work with data organized across platforms and formats (DB2 tables, SAS datamarts, Excel spreadsheets, text files)

- Ability to blend in existing BAU analytical projects and processes in a seamless manner

- Ability to bring out meaningful and actionable insights from unstructured data

- Maintaining the desired quality of analytics within stipulated timeframe

- Ability to work with multiple departments and stakeholders within the Bank to achieve end results

- Ability to lead team members across multiple project assignments, while delivering on own projects

Key Stakeholders:

- Regional Credit Officers/CROs

- Country Credit Head

- Regional/Country Business Segment Heads

- Global Head - Credit Risk Management (Retail)

- Head of CRM Analytics - SCMAC

Key Measurable:

- No direct business targets on asset growth or portfolio profitability

- Timely and accurate analytical insights to support good portfolio growth and optimized risk return decisions

- Process governance as per organizational standards

- Effective people management of direct reports (if applicable)