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| Job Location | Bangalore |
| Education | Not Mentioned |
| Salary | Not Disclosed |
| Industry | Banking / Financial Services |
| Functional Area | Statistics / Analytics |
| EmploymentType | Full-time |
Perform credit policy and strategy analytics to enable data based insights & decisions for Retail CreditKEY RESPONSIBILITIESHigh level Role Description o Conduct portfolio analytics and deep dives as required by country/regional/Group Retail Credit. Develop credit strategies across the customer lifecycle of Origination, Portfolio Mgmt and Collections.o Create insights for Retail Risk by studying portfolio trends, performing necessary analytics such as segmentation, profiling, cut-off setting, stress testing, sensitivity analyseso Timely identification of shifts in portfolio risk profile and re-aligning risk-measurement tools for effectiveness and continuously enhance data-driven credit decisionso Provide analytical support to various Risk Reviews, perform adhoc analytical requests to support policy changeso Participate in selective strategic initiatives to build and enhance Group s in-house analytics capabilities; Research on emerging trends in analytics industryo Embed Bank s risk management and decisioning framework in day-to-day work, ideate / self-initiate necessary analytics to drive portfolio performanceo As per TOM supervise and coach team members for effective project deliveryCompetency expected in role o Strong logical reasoning ability. Ability to perform various industry standard complex statistical analysis in relation to credit risk problemso Ability to work with data organized across platforms and formats (DB2 tables, SAS datamarts, Excel spreadsheets, text files)o Ability to blend in existing BAU analytical projects and processes in a seamless mannero Ability to bring out meaningful and actionable insights from unstructured datao Maintaining the desired quality of analytics within stipulated timeframeo Ability to work with multiple departments and stakeholders within the Bank to achieve end resultso Ability to lead team members across multiple project assignments, while delivering on own projectsKEY DIMENSIONS Key Stakeholders o Regional Credit Officers/CROso Country Credit Heado Regional/Country Business Segment Headso Global Head Credit Risk Management (Retail)o Head of CRM Analytics SCMACKey Measurable: o No direct business targets on asset growth or portfolio profitabilityo Timely and accurate analytical insights to support good portfolio growth and optimized risk return decisionso Process governance as per organizational standardso Effective people management of direct reportsAUTHORITIES NAKNOWLEDGE/SKILLS/EXPERIENCE Eligibility criteria o Advanced degree (preferably Masters) in a Quantitative Discipline (e.g. Math, Stat, Eco, Engineering, Finance, MBA)o Preferably 10 years desired relevant work experience, with 3 years experience of managing people / teamso Cross-functional project management experience is a MUSTo Proficiency in SAS is a MUST with proven experience of working with large, complex data. Proficiency in Microsoft Excel is desired. General familiarity with all Microsoft Office applications.o Proficiency in SAS Enterprise Miner is preferredo Knowledge of other analytical tools such as R, Python, Tableau etc will be a PLUSo Sound knowledge of Financial Services products, in particular Retail Banking, is a MUST including a good understanding of product economicso Sound knowledge of Credit Risk is a MUST with ability to perform related data analysiso Good written and verbal communication skills,
Keyskills :
financesalesmisaccountancydataanalysiscreditpolicyretailcreditretailbankingriskmanagementtfoliorisk