Chaitanya India Fin Credit - Risk Analyst

About the Role:

- We are seeking a motivated and analytical Risk Analyst to join our team in Chamarajpet, Bangalore.

- In this role, you will play a vital role in identifying, analyzing, and mitigating credit and portfolio risks within our loan management operations.

- You will leverage your data analysis skills to extract valuable insights from various sources and translate them into actionable reports for internal and external stakeholders.

Responsibilities:

Data Analysis & Reporting:

- Possess strong analytical skills to extract, cleanse, and interpret data from loan management software, databases, and other relevant sources.

- Utilize advanced Excel functions and potentially other data analysis tools to perform meaningful analysis of portfolio numbers, client data, collections, product performance, industry trends, and bureau data.

- Prepare comprehensive monthly and periodic risk reports, including key metrics, trends, and mitigation strategies.

Risk Identification & Monitoring:

- Analyze all forms of data to identify potential credit and portfolio risks associated with loan products and borrower behavior.

- Monitor adherence to company policies, risk limits, and caps set by senior management.

- Stay informed of industry risks and trends through research reports, credit bureaus, and external databases.

- Proactively identify and escalate potential risk issues to management for timely action.

Communication & Collaboration:

- Coordinate effectively with business teams, field teams, and other functional departments to ensure streamlined information flow and data reconciliation.

- Communicate risk findings and recommendations clearly and concisely to both internal and external stakeholders.

Field Engagement:

- Undertake occasional field visits to gain a deeper understanding of ground-level challenges and correlate findings with data analysis.

Skills & Qualifications:

- Bachelor's degree in any discipline (Masters preferred, but not mandatory).

- Minimum of 1 year of experience in credit risk analysis, loan portfolio management, or a related field.

- Strong analytical and problem-solving skills with a proficiency in data extraction, cleansing, and manipulation using advanced Excel functions (VLOOKUP, PivotTables, etc.

- Excellent communication and interpersonal skills with the ability to effectively present complex data and risk findings to diverse audiences.

- Ability to work independently, manage multiple tasks effectively, and meet deadlines.

- Strong attention to detail and a commitment to accuracy in data analysis and reporting