Credit Risk Analyst

ALP (Computational Finance, AI and Data Engineering); Bengaluru; On-site; INR 8,596,000 - 12,416,000; Full time

Job summary

ALP (Computational Finance, AI and Data Engineering) seeks a Credit Risk Analyst to assess, monitor and manage credit risk across portfolios. You will ensure decisions align with internal policies and FCA requirements, with hands-on IFRS 9 impairment modelling experience (PD, LGD, EAD) and strong analytical skills.

You will collaborate with Underwriting, Operations, Compliance and Sharia Advisory teams to maintain risk standards and participate in stress testing and risk modelling activities.

Qualifications

• Experience in credit risk, underwriting or financial analysis (mortgages, HPP, secured lending preferred).
• Strong knowledge of IFRS 9 and expected credit loss methodologies.
• Experience with PD, LGD and EAD modelling.
• Advanced Excel and SQL skills; SAS, Python or R desirable.
• Strong understanding of UK regulatory requirements (FCA, MCOB, AML/CTF).
• Excellent analytical and communication skills.

Responsibilities

• Monitor and report on performance of portfolios (HPP, BTL, Bridging).
• Assist in development and maintenance of credit risk policies and risk frameworks.
• Secretariat for Credit Committee and boards risk committees.
• Develop packs for Credit Committee, Exco Risk Committee and Board Risk & Audit Committee.
• Support monitoring of accounts in arrears, forbearance, and early warning indicators.
• Ensure compliance with FCA regulations and internal governance processes.
• Contribute to stress testing, scenario analysis and IFRS9 modelling.

Skills

Credit risk analysis

IFRS 9

Excel

SQL

SAS

Python

R

Regulatory awareness

Tools

Excel

SQL

SAS

Python

R

Job description

We are a fast-growing UAE and UK based data engineering, AI and computational finance consulting company. We work with banks and financial institutions in providing them consulting services including resource augmentation. In this role you will be supporting a UK-based, fast-growing, institutional-backed Fintech alternative lender specialising in residential Buy-to-Let (BTL), bridging loans, and real estate financing.

Role Overview

As the Credit Risk Analyst, you will play a key role in assessing, monitoring and managing credit risk across the company's portfolio of products. You will ensure all risk decisions are aligned with internal policies, and the requirements of the regulator Financial Conduct Authority (FCA). This role suits someone with the relevant credit risk experience, strong analytical skills, sound judgement and a commitment to ethical finance. This individual will have hands-on experience of IFRS 9 impairment modelling, including PD, LGD and EAD methodologies, staging assessment and expected credit loss (ECL) calculations.

Key Responsibilities

• Monitor and report on the performance of the existing HPP, BTL and Bridging portfolios, identifying emerging risks and trends.
• Assist in the development and maintenance of credit risk policies, procedures and risk frameworks.
• Secretariat for Credit Committee.
• Manage and develop the packs for Credit Committee, Exco Risk Committee and Board Risk & Audit Committee.
• Support the monitoring of accounts in arrears, forbearance cases and early warning indicators.
• Ensuring compliance with relevant FCA regulations and internal governance processes.
• Contribute to stress testing, scenario analysis and risk modelling activities (including IFRS9).
• Collaborate with Underwriting, Operations, Compliance and Sharia Advisory teams to ensure consistent risk standards across the business.
• Assist with training new team members on Credit Risk policies and procedures.
• Support ad hoc compliance and administrative tasks as needed.

Key Requirements

• Experience in credit risk, underwriting or financial analysis (mortgages, HPP, secured lending preferred).
• Strong knowledge of IFRS 9 and expected credit loss methodologies.
• Experience with PD, LGD and EAD modelling.
• Advanced Excel and SQL skills; experience with SAS, Python or R desirable.
• Strong understanding of UK regulatory requirements (FCA, MCOB, AML/CTF).
• Excellent analytical skills and the ability to interpret financial and non-financial data.
• Strong written and verbal communication skills, with the ability to present clear recommendations.
• High attention to detail, sound judgement
• Commitment to ethical, customer-centric decision-making.
• Ability to work independently and as part of a collaborative risk team.