Manager- Credit Risk(Secured)

Utkarsh Small Finance Bank; Varanasi, Navi Mumbai; On-site; INR 600,000 - 900,000; Full time

Job summary

Utkarsh Small Finance Bank invites a risk analytics professional to review and analyze historical loan data from the Retail portfolio to understand patterns related to default. The role uses statistical tools to derive insights and support risk decisions.

You will develop rating models and scorecards for retail and corporate loans, test them, and coordinate implementation with stakeholders. Regular credit risk reporting to the Board is expected.

Responsibilities

• Review and analysis of historical loan data for Retail portfolio to understand pattern from default point of view.
• Apply statistical tools to analyze the pattern and provide detailed assessment.
• Review and prepare risk dashboards for management showing all important risk parameters.
• Develop rating models/scorecards for various retail and corporate loans based on historical data.
• Test scorecards/models regularly and coordinate with stakeholders for model implementation.
• Prepare and maintain database of loan products from risk assessment perspective.
• Ensure data is accurately captured in the system and coordinate with different teams to fix issues.
• Coordinate with IT team for automation of credit approval process.
• Review and prepare regular credit risk reports for Board meetings and other management committee meetings.

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.