Credit Risk Analyst - Retail Banking

What role you will play in team: You will be responsible for assessing and managing credit risk associated with retail banking products, contributing to the overall credit risk profile of the bank.

What you will do: You'll analyze data, develop credit scoring models, and recommend credit limits for retail customers.

Key responsibility:

• Analyze customer credit applications and financial data.
• Develop and maintain credit scoring models.
• Assess credit risk and determine appropriate credit limits.
• Monitor customer credit performance and identify potential risks.
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  Prepare credit risk reports for senior management.
• Collaborate with other departments to improve credit risk management practices.

Required Qualification and Skills:

• Bachelor's degree in Finance, Economics, Statistics, or a related field.
• 0-1 year of experience in credit risk management (Retail banking preferred).
• Strong analytical skills and understanding of statistical modeling.
• Proficiency in credit risk software and tools.
• Excellent communication and reporting skills.
• Understanding of retail banking products and regulatory requirements.

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Benefits Included:

• Competitive salary and comprehensive benefits package.
• Opportunities for professional development and career progression within a leading bank.
• Dynamic and challenging work environment.
• Health insurance, paid time off, and other employee benefits.
• Opportunities for continuous learning and skill enhancement.

A Day in the Life: Your day will involve analyzing customer data, developing credit models, reviewing credit applications, preparing reports, and participating in meetings to ensure that the bank’s retail banking portfolio is managed safely and effectively.