Nagha

As a Credit Risk Analyst, you will responsible for providing support in developing and implementing credit risk strategies by preparing data and analysis on acquisition & portfolio quality to facilitate decisions and actions in supporting business growth initiatives in line with business risk appetite. The role assists in the seamless implementation of changes on credit risk policy and processes and ensures compliance with policies, laws, and regulations.

How you'll contribute

Support in the development and implementation of changes to credit risk policies of all portfolios under the SBF entity, through data analysis and credit framework revision documentation for underwriting and portfolio management policies. Ensure proper implementation in the system and well-monitored impact on portfolio performance post-execution of the changesAssist in formulating eligibility criteria for new product and portfolio action program launches to support business growth initiatives through the below actions:Analyze characteristics and loss projection of new target segmentsInvolve in policy and process design in relation to risk managementAssist in preparing business requirements and UAT for system enhancementPrepare performance/result tracking against triggersEnsure monthly Credit Risk Pack and Portfolio Quality Reports are completed in a timely manner with accurate data. Provide insights on data trends, help to investigate and highlight the findings to the team/relevant stakeholders to aid in refining business strategies and decisionsReview portfolio early warning triggers for both new acquisition and existing portfolio. Ensure periodic validation of the triggers for optimal profitability. Recommend and implement risk actions based on these trigger reviews to improve portfolio performance and/or opportunity for business growth while maintaining sound credit risk qualityRegularly monitor policy discrepancies among products on a regular basis. Coordinate with cross-functional team including business & operations on implementing policies, processes, and control mechanisms to improve productivity and effectivenessAssist in preparing inputs for credit risk related governance forums and help to ensure follow-up items and corrective actions are resolved within targeted timelinesSupport in providing internal and external audit requirements from Credit Risk. Work with related functions to implement corrective actions to close audit issues, if anyPerforms other related tasks which may be assigned from time to time by the Head of Credit Risk to support the same objective of setting up and executing a robust end to end credit risk framework for business growth and development within the set business risk appetiteWhat we’re looking for

Bachelor’s Degree in Statistics or MathematicsAt least 5 yrs relevance experience from the banking or financial industryExperience in data analysis and credit risk management and/or related fieldUnderstanding of finance, banking business, and consumer lending (secured and unsecured) credit risk and portfolio managementAble to deal with database (Data Warehouse knowledge), perform analysis, and spot data errorsExperience with data tools – SAS, SQLStrong analytical skills and logical thinkingAdvanced computer skills especially Microsoft ExcelProficiency in English both speaking and writingPresentation and communication skillsResult-oriented and a team playerWork under pressure to deliver multiple tasks within the timelineA can-do attitude and learning mindsetAbility to build good relationships and trust with cross-functional team and business leaderProactive with initiatives aligned with business directionApply for this Job* Required