Business Analyst - Provisioning and Forecasting Modeller

Unternehmensauskunft; Bengaluru; On-site; Full time

Job description

We are scaling up our Risk management, Impairment and Forecasting team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will build up our forecasting capabilities and tools and will have significant exposure to critical business processes such as ECL provisioning and credit loss forecasting. Additionally the successful individual will lead the development and integration of the next generation of analytical dashboards, ECL decomposition and will have regular interaction with the senior management.

You’ll play a key role by

• Development, implementation and maintenance of Stress Testing and Forecasting models.
• Participate in business critical processes such as ECL provisioning, including presenting results to senior management and Executives.
• Develop the next generation of performance tracking and analytics toolbox. These would include short horizon forecasting, root cause analysis, ECL decomposition, SICR efficiency.
• Develop and maintain economic-response models for scenario simulation and impairment
• Actively involved in our monthly provisions process, and delivering outcomes to PayU Fin senior team (including our CEO, CFO, COO and CRO).
• These activities will include preparing analysis;proposing model adjustments / calibrations; discussing emerging regulatory changes and best practices; presenting materials to the monthly impairment council.
• Review and challenge a wider range of modelling solutions across the Borrowing collective (including Ind AS 109, NPV, pricing etc.).
• Close collaboration with u/w policy team, collection strategy, finance and external audit teams.

We’d love to hear from you if

• You have a strong background in Ind AS 109 impairments and stress testing in a BFSI sector for at least 2 years (India).
• You have experience in developing, validating or monitoring Credit loss forecasting models (impairment, stress testing, forecasting).
• You have strong analytical skills and a track record of using these to deliver technical projects.
• You have a solid technical toolkit. SQL and either Python or R is a must-have, a data visualisation tool (such as Tableau, PowerBI, Looker) is a plus.
• You can convey problems and solutions using clear and simple language, both written and verbal. This is particularly important for communicating complex issues and priorities to non-experts.
• You’re impact driven and eager to have a real positive impact on the company, our products, our users and your team‑mates.
• You have a self‑starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so.
• You’re a team player whom your colleagues can rely on.