Manager- Credit Risk(Retail Assets)

Utkarsh Small Finance Bank; Varanasi, Navi Mumbai; On-site; INR 800,000 - 1,400,000; Full time

Job summary

Utkarsh Small Finance Bank is seeking a sharp Risk Analytics professional to review historical loan data, apply statistical methods, and develop robust rating models for retail and corporate portfolios.

The role focuses on building management dashboards, automating risk reporting, and coordinating with IT to streamline credit approvals and data accuracy across teams.

Qualifications

• Strong statistical analysis and data interpretation skills.
• Familiarity with credit risk concepts and rating practices.
• Experience building dashboards and risk reporting tools.
• Proficiency in data manipulation and modeling for retail/corporate loans.

Responsibilities

• Review and Analysis of historical loan data for Retail portfolio from a default perspective.
• Apply statistical tools to analyze patterns and produce detailed assessments.
• Prepare risk dashboards for management showing key risk parameters.
• Develop rating models/scorecards for various loans using historical data.
• Test scorecards/models regularly and coordinate with stakeholders for implementation.
• Prepare and maintain a risk-focused database of loan products.
• Ensure accurate data capture and coordinate with teams to fix issues in the system.
• Coordinate with IT for automation of the credit approval process.
• Review and prepare regular credit risk reports for Board and management committees.

Skills

Statistical analysis

Data analysis

Credit risk

Dashboards

Model development

Tools

SQL

Python

R

Excel

Job description

Role & responsibilities

• Review and Analysis of historical loan data pf Retail portfolio to understand the pattern from default point of view.
• Apply statistical tool to analyze the pattern and come with detailed assessment
• Review and Prepare risk dashboard for management which shows all important risk parameters
• Develop rating model/scorecard for various retail and corporate loans based on historical data.
• Testing of scorecard/model on a regular basis/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.