Senior Analyst/AVP - Country Risk - BFSI

- The Country Risk Senior Analyst /AVP is a seasoned professional role responsible for accomplishing results with a sense of urgency and development of acquisition strategies for portfolio for Unsecured products including PIL and RC portfolios.

- Requires in-depth understanding of how areas collectively integrate within the sub function as well as coordinate and contribute to the objectives of the function and overall business for PIL and RC portfolios

- The incumbent needs to apply in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function.

- Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits.

- Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information.

Responsibilities :

- Assists credit analysis, including annual credit reviews, portfolio reviews

- Identifies and analyzes situations that create risk and legal liability for , utilizing various resources such as credit reports, score cards, risk systems, and knowledge of the elements of Risk.

- Understands and applies the principles to all lending initiatives and for gapping analysis against global policy

- Assesses risks and analyses existing and new relationships - including periodic review of financial results and statements to monitor operating performance, liquidity position and financial condition.

- Maintain compliance with credit policies/practices, regulatory policies and prepare, update, and ensure approval of all internal policy and procedure changes, keeping proper change and approval logs

- Conduct analyses related to policy (e.g., benefits tracking), Acquisition strategy, Implementation of rules, P&L Analytics/assessment risk and reward trade-off, etc. by leveraging data and creating ad-hoc analyses/management information systems (MIS)

- Participates in regular portfolio stress testing and support model development efforts with modeling teams.

- Completes ad-hoc projects as required, such as reporting of portfolio data internal and external audit, regulators and senior management.

- Reviews of results/scripts/reports feedback to business to enhance and refine corrective action plan to ensure developments are in sync.

- Maintains sound understanding about different markets, products, strategies, tools and associated risks.

- Participates in problem recognition and monitors troubled exposures

- Contributes to developing, testing and optimizing credit or risk policies for channels or products under their responsibility.

- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding , its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

- Additional duties as assigned.

Required skills :

- 5-8 years of experience

- Knowledge of regulatory credit policies with good knowledge of accounting, product and finance principles

- Knowledge and understanding of Banking operations

- Knowledge about risk systems infrastructure including key processes, coverage and data flows in order to identify risk effectively.

- Demonstrated Credit and Analytical skills.

- Ability to apply credit and risk principles toward business goals

- Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency

- Excellent verbal and written communication skills. Effective team player and interpersonal skills.

- Ability to work under pressure, multi-task and prioritize to meet deadlines.

- Proficient skills in SAS, SQL, Excel, Word and PowerPoint

- Experience in use of segmentation and CHAID tools like SAS Miner and/or Knowledge Seeker

- Ability to present / justify data and participate in leadership meetings and regulatory meetings

- Highly proficient in MS Office - (Excel, Access, PowerPoint)

Education :

- Master's degree/University degree or equivalent experience