Risk Analytics Manager - Credit Risk

Required Exp -

2-5 years of experience in the areas of Risk Management, Credit Modelling, Data Analytics, Model Development, Model Validation etc (preferred).

Required Education -

Post Graduate Diploma or Degree in Data Science / Statistics / AI-ML Modelling or related fields. Post Graduate Diploma or Degree in Economics or Econometrics or similar streams.

Preference to be given to candidates with a Bachelor's degree in Economics / who may have worked on an econometrics model

Job Role -

- Designing and implementing an overall risk management process for the Education Loan portfolio, which includes an analysis of the financial impact on the company when risks occur

- Performing a risk assessment: Analyzing current risks and identifying potential risks that are affecting the company

- Own the portfolio risk metrics and create forward looking projections for the concerned metrics eg Loss forecasting, Stress testing, Credit Risk forecasts, Liquidity risk forecasts, Collections performance strategy, overall ROA projections by segment among others.

- Monitor portfolio risk from granular dimensions and constantly implement strategies to maintain risk metrics within specific ranges.

- Monitor various operational metrics and develop forward-looking alerting mechanisms to maintain process efficiency

- Designing and implementing strategies for Underwriting, Account Management, Portfolio Monitoring and Collections

- Develop risk-based credit policies and pricing grids to maximize approvals within specific segments of risk

- Work with Technology (Product) and Data teams to develop algorithms and scorecards and drive decision models across various business segments.

- Partner with Tech Engineering team to implement policies and scorecards.

- Work on creation of time-sensitive analytics, visualisations, and complicated, high-visibility reports for Risk and Business management using tools like Power BI, Tableau, SQL etc to use in portfolio monitoring and strategic decision-making.

Data Analytics

- Analyze data to identify high risk segments to limit and decrease loss rates.

- Perform exploratory data analysis to identify interesting data trend/insights.

- Work on developing forward-looking models and projections for various risk and business metrics

Model Development and Validation

- Build/Validate statistical scoring models on Secured & Unsecured lending portfolios that would aid in customer segmentation.

Policy formulation

- Develop new policies for new products, partners and channels (Acquisition & Line management)

- Review and update policies for existing products, partners etc in case of any change.

- Work with Tech team to design, test and implement any changes (product, partner related or regulatory) in policies.

Portfolio Management

- Constantly Evaluate portfolio performance.

- Benchmark to Industry Standards.

Loss Management

- Monitor Loan portfolio on a daily/weekly basis for any increase in risk (loss rates)

- Forecast loss for Education Loan portfolios

Stakeholder Management

- Interacting with cross functional teams and driving the credit policy agenda and ensuring correct implementation of credit policy guidelines in origination system and decisioning platforms

If keen & matching the above criteria , immediately whatsapp me @ 7299993116 - Ananthi Prasad