Chief Manager-Credit Risk Analytics

Utkarsh Small Finance Bank; Navi Mumbai; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Utkarsh Small Finance Bank is seeking a Credit Risk Analytics professional to build rating models and analyze loan data. You will develop scorecards for retail and corporate loans, validate models, and prepare risk dashboards for management; coordination with IT for automation and with stakeholders.

Strong knowledge of SAS, SQL, Python, R, Excel and experience with ECL PD/LGD is beneficial for this role.

Qualifications

• Experience in Credit Risk Analytics, Scorecard Development, Model Validation, or Portfolio Risk Management.
• Strong knowledge of statistical techniques, predictive modeling, and credit risk frameworks.
• Proficiency in SAS, SQL, Python, R, Excel, or similar analytics tools.

Responsibilities

• Apply statistical tool to analyze the pattern and come with detailed assessment
• Develop rating model/scorecard for various retail and corporate loans based on historical data
• Good experience in ECL(PD/LGD) and EWS model development.
• Testing of scorecard/model on a regular basis and update
• Review and Analysis of historical loan data to understand the pattern from default point of view
• Review and Prepare risk dashboard for management which shows all important risk parameters
• Coordinate with various stakeholder for the rating model implementation
• Prepare and maintain database of loan product from risk assessment point of view
• Ensure data is correctly captured in the system and coordinate with different team to fix the issue
• Coordinate with IT team for the automation of credit approval process
• Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption

Skills

Credit Risk Analytics

Scorecard Development

Model Validation

Portfolio Risk Management

Tools

SAS

SQL

Python

R

Excel

Job description

Role & responsibilities

• Apply statistical tool to analyze the pattern and come with detailed assessment
• Develop rating model/scorecard for various retail and corporate loans based on historical data
• Good experience in ECL(PD/LGD) and EWS model development.
• Testing of scorecard/model on a regular basis and update
• Review and Analysis of historical loan data to understand the pattern from default point of view
• Review and Prepare risk dashboard for management which shows all important risk parameters
• Coordinate with various stakeholder for the rating model implementation
• Prepare and maintain database of loan product from risk assessment point of view
• Ensure data is correctly captured in the system and coordinate with different team to fix the issue
• Coordinate with IT team for the automation of credit approval process
• Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption

Preferred candidate profile

• Experience in Credit Risk Analytics, Scorecard Development, Model Validation, or Portfolio Risk Management.
• Strong knowledge of statistical techniques, predictive modeling, and credit risk frameworks.
• Proficiency in SAS, SQL, Python, R, Excel, or similar analytics tools.