Credit Risk Analytics & Strategy

Galent; New York (NY); On-site; USD 85,000 - 110,000; Full time

Job summary

A leading financial services firm is hiring a Senior Consultant to monitor and assess credit risk across its lending portfolio. The role involves collaborating with stakeholders to develop credit risk strategies, analyzing large datasets for trends, and ensuring regulatory compliance. Candidates should hold a Master’s degree and have 3-4 years of relevant experience in credit analytics. Proficiency in SQL and Python is required, along with strong communication and analytical skills.

Qualifications

• 3-4 years of experience in credit card analytics, focusing on Credit risk, Collection, or Recoveries.
• Proficient in SQL and Python; experience with data visualization tools is a plus.
• Excellent analytical and problem-solving skills.

Responsibilities

• Continuously monitor risk exposures and identify potential credit risk issues.
• Develop and implement credit risk policies and procedures.
• Collaborate with data scientists on credit risk models.
• Analyze datasets to identify credit risk trends and present findings.
• Ensure compliance with credit risk regulations.

Skills

Credit risk

Data analysis

SQL

Python

Stakeholder management

Problem-solving

Communication

Education

Master’s degree in finance, Economics, Data Science, Engineering, or related field

Bachelor’s degree

Tools

Tableau

Power BI

Job description

Job Type: Full time

We are hiring a Senior Consultant for one of our leading banking clients. The role focuses on identifying, assessing and monitoring credit risk across the lending portfolio. The candidate will work closely with various stakeholders, including business units, risk management, and regulatory teams to develop and implement credit risk strategies and policies. Expertise in at least one domain — Credit Risk, Collections, or Recoveries — is required.

Key Responsibilities

• Credit Risk Monitoring: Continuously monitor risk exposures, identify and elevate potential credit risk issues to senior management and the risk committee to ensure timely mitigation.
• Credit Risk Strategy Development: Develop, maintain, update & implement credit risk policies, procedures, and guidelines to ensure alignment with regulatory requirements and industry best practices.
• Credit Risk Modelling: Develop, maintain, and validate credit risk models to estimate potential losses and predict credit risk. Collaborate with data scientists and analysts to integrate credit risk models with other risk models.
• Stakeholder Management: Inform and advise senior management, business units, and stakeholders on credit risk, and provide training on credit risk management and policies.
• Data Analysis and Reporting: Analyze large datasets to identify credit risk trends, and present findings to senior management using SQL, Python, and data-driven insights, providing clear and compelling recommendations.
• Credit Risk Assessment: Analyze and evaluate creditworthiness of customers, counterparties, and transactions to identify potential credit risks. Conduct thorough credit reviews, including financial statement analysis, industry research, and market trends.
• Regulatory Compliance: Ensure compliance with credit risk regulations, such as Basel II/III, Dodd‑Frank, and other applicable laws and regulations. Collaborate with regulatory teams to respond to regulatory inquiries and examinations.

Qualifications

• Master’s degree in finance, Economics, Data Science, Engineering, or a related field (Bachelor’s degree is required).
• Minimum of 3-4 years of experience in credit card analytics, with a focus in at least one area: Credit risk, Collection, or Recoveries Analytics.
• Proficient in SQL and Python; experience with data visualization tools (e.g., Tableau, Power BI) is a plus.
• Excellent analytical and problem‑solving skills, with the ability to interpret complex data and make informed decisions.
• Strong communication and presentation skills, with the ability to convey technical information to non‑technical stakeholders.
• Proven ability to work collaboratively in a fast‑paced, team‑oriented environment.