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Credit Risk Analytics Cons 2

Job ID 17635BR Location Bengaluru, India;
Responsible for performing various complex activities related to business analysis and/or modeling. Duties may include performing complex analysis and/or modeling that assesses the credit risk of new and existing products, maximizes profits and/or asset growth and minimizes credit and/or operating losses and other risk exposures; providing analytical support on wholesale credit, operating losses and other product strategies to ensure company goals are met; segmenting and monitoring various credit, deposit and other product groups, vintages, concentration limits, risk ratings, etc. and making recommendations to management based on those trends; producing performance monitoring and benchmarks regarding growth, mix, delinquency, losses, grade migration, and overall profitability and performance; coordinating and consolidating the production of monthly, quarterly, and annual performance reports for senior management; reviewing and analyzing trends in current population distributions and recommending strategies. May develop more complex processes to extract data and/or manipulate databases to provide statistical and financial modeling.
(There are multipleroles in both modeling and model validation teams, based on suitability sub team to be decided)

  • Perform data validation, data analysis, model development(logistic regression, PD, EAD, LGD models), diagnostic, etc. functions per onshore instructions.
  • Creating and maintaining model development documentation
  • Post modeling analysis and documentation support
  • Quarterly model performance monitoring support
  • Ad hoc report generation
Required Skills:
  • Bachelors’ degree in a quantitative discipline
  • 4+ - 6 years analytical experience preferably in credit risk analysis or business analysis.
  • Excellent Excel skills in performing complex data manipulation
  • Excellent analytical ability in interpreting data, analytical results to draw insights to provide accurate loss forecasts and help business manage the credit risk effectively.
  • The resources need to know Advanced SAS and Advanced Excel.
  • Excellent problem solving skills and ability to connect dots, see big picture and find solutions
  • Good verbal communication, written documentation and presentation skills.
  • Excellent understanding of process, methodologies used for the development, validation and monitoring of credit scoring models (logistic regression, PD, EAD, LGD models), diagnostic, etc.
Desired Skills:
  • Good SAS skills in performing complex data manipulation and modeling in SAS.
  • Good at exercising independent judgment and applying prudent credit risk management principles
  • Masters degree preferred
  • Experience in a Commercial lending environment; Familiarity with U.S based Commercial Bureau Data sources
Model Building (PD, LGD, EAD)/Model Monitoring

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