Policy Analyst_SUPPORT SERVICES_0898_1288_1096044

Kotak Mahindra Bank; Mumbai; On-site; INR 1,000,000 - 1,700,000; Full time

Job summary

Kotak Mahindra Bank seeks a Senior Analyst Risk and Policy for Personal Loan at its Mumbai head office. The role focuses on monitoring delinquencies, building risk dashboards, and formulating policy changes based on data insights.

The candidate should have 4+ years in risk/data analytics, with SAS/Python/DEX proficiency, and strong problem-solving and communication skills. Internal policy experience preferred.

Qualifications

• 4+ years in policy or risk/data analytics roles.
• Experience with SAS/Python/DEX for risk management.
• Knowledge of bureau data and risk policy frameworks.
• Strong problem solving and communication skills.

Responsibilities

• Monitor delinquencies at micro level and propose policies to mitigate risk.
• Create risk dashboards and KPI reports using vintage charts and trends.
• Analyze Demog and Bureau data to drive policy changes.
• Coordinate with stakeholders on risk and policy data requirements.
• Automate key reports and validate accuracy.

Skills

SAS

Python

DEX

Risk analytics

Education

BTech or Grad/PG in statistics

Certifications in SAS/SQL/Python

Job description

Job Description

Job description Job title: Senior analyst Risk and Policy, Personal Loan

Location: Head Office Mumbai

Grade: M4

Number of Position: 1

Job Responsibilities

Monitor portfolio delinquencies at micro level, identification of segments, locations, channels, profiles and proposing policies/ strategies to enable business and control risk Proficient in coding and working experience in creating risk monitoring dashboards like vintage charts, KPIs, business trends, etc. Managing portfolio with data driven insights using Demog and Bureau data and recommend necessary alteration in policy when required Experience on creating features using bureau/demog/banking variables and creating insights Handled cross functional projects to develop new product/program Knowledge about policy framework pertaining to personal loan product/Unsecured product Monitoring loss in the business in different segments and highlight the reason for breach in threshold if any. Automating crucial reports, testing and verifying the correctness of the same. Co-ordinating with different stockholder for risk and policy related data and recommendation.

Job Requirements

Minimum 4year of experience in similar role of policy team Work experience with MNC on risk/data analytics field is preferable Proficiency in SAS/Python/DEX for risk management and policy implementation. Ability to debug, troubleshoot and resolve issues related to risk and policy. Use analytical skill to identify root causes of problem and recommend effective solution. Should have good knowledge of understanding Bureau data. Experience in creating features and running decision tree/cluster analysis to identify segments will be an added advantage. Good problem solving skills and clear communicator. Education qualification: Btech or Grad/Post Grad in statistics Certification in coding languages like SAS/SQL/Python This is an Internal document.