Posted By
Posted in
Banking & Finance
Job Code
1447021
Job Description:
- As the Manager - Credit, you will be responsible for overseeing and analyzing the credit portfolio to ensure its health and performance.
- You will utilize various analytical tools and models to monitor portfolio quality, estimate credit losses, and provide strategic insights to enhance credit management practices.
- Your role will involve in-depth analysis, reporting, and data management to support decision-making and optimize portfolio performance.
Key Responsibilities:
Portfolio Analysis & Monitoring:
Conduct comprehensive analysis of the credit portfolio using lead and lagged indicators to assess performance and risk.
- Provide a 360-degree view of the portfolio by evaluating all relevant aspects, including credit quality, trends, and risk factors.
Credit Loss Estimates:
- Utilize Markov Chain models to estimate potential credit losses and assess the impact on the portfolio.
- Prepare and update loss projections based on model outputs and market conditions.
Loss Budget vs.
Actual Comparison:
- Perform detailed comparisons of budgeted losses versus actual losses.
- Analyze variances and provide actionable insights to address discrepancies and improve forecasting accuracy.
ECL (Expected Credit Loss) Working and Projection:
- Develop and maintain ECL calculations in accordance with regulatory requirements and best practices.
- Project future ECL based on current portfolio performance and economic indicators.
Adhoc Data Analysis:
- Support various ad-hoc data analysis requests related to portfolio metrics and performance.
- Provide deep-dive analyses to uncover trends, risks, and opportunities within the portfolio.
Key Performance Indicators (KPIs):
- Track and enhance key performance indicators related to credit losses and portfolio quality.
- Develop strategies to improve KPIs and overall portfolio performance.
SQL Database Management:
- Create and maintain a comprehensive SQL database of the credit portfolio.
- Ensure data accuracy, integrity, and accessibility for reporting and analysis purposes.
Presentation Preparation:
- Prepare and present detailed reports and presentations for various reviews and stakeholder meetings.
- Clearly communicate insights and recommendations based on portfolio analysis.
Portfolio Trigger Data Publication:
- Publish trigger data for special programs and schemes, highlighting key insights and implications for portfolio management.
Report Creation & Enhancement:
- Develop new reports and dashboards to provide better understanding and insights into portfolio health.
- Continuously refine reporting tools to meet evolving analytical needs and improve decision-making.
Qualifications:
- Educational Background: Bachelor's degree in Finance, Economics, Statistics, or a related field.
- A Master's degree or relevant certification (e. , CFA, CPA) is preferred.
- Experience: Minimum of 5-7 years of experience in credit analysis, portfolio management, or a related field.
- Proven experience with credit loss modeling and portfolio analysis.
- Technical Skills: Strong proficiency in SQL and database management.
- Experience with Markov Chain models and other credit risk modeling techniques is essential.
- Advanced skills in MS Excel, and familiarity with data visualization tools (e. , Power BI, Tableau) are beneficial.
- Analytical Skills: Excellent analytical and quantitative skills, with the ability to interpret complex data and generate actionable insights.
- Communication Skills: Strong verbal and written communication skills, with the ability to present complex information clearly and effectively to stakeholders.
- Detail-Oriented: High attention to detail and accuracy in data analysis and reporting.
- Problem-Solving Skills: Ability to identify and address issues proactively, providing practical solutions to improve portfolio performance
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Posted By
Posted in
Banking & Finance
Job Code
1447021
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