Risk Analyst

: Risk Analyst

Position Overview: We are seeking a Risk Analyst to lead the credit risk management framework for our portfolio. You will collaborate closely with the Risk and Policy team to develop and enhance credit policies, create risk models and early warning signals, and implement key risk metrics. The ideal candidate will possess strong analytical abilities, proficiency in handling large datasets, and a solid understanding of credit and risk management within the lending sector.

Responsibilities

• Credit Policy Framework:
• Assist the Policy team in formulating and refining the credit policy framework.
• Support in designing policies that balance risk management with business growth objectives.
• Risk Scorecards:
• Collaborate with the Policy team to develop risk scorecards for assessing creditworthiness.
• Ensure scorecards are aligned with business strategies and regulatory requirements.
• Key Risk Metrics:
• Implement and monitor key risk metrics to evaluate portfolio performance.
• Benchmark performance against industry standards and internal targets.
• Early Warning Signals:
• Work with the Policy and Collections teams to establish early warning signals for potential credit issues.
• Develop proactive strategies to mitigate risks and minimize losses.
• Data Enrichment and Analysis:
• Partner with business stakeholders to integrate external datasets for enhanced credit risk assessment.
• Utilize advanced analytics to interpret data trends and provide actionable insights.
• Risk Monitoring and Reporting:
• Monitor ongoing risk metrics and trends, highlighting areas of concern or improvement opportunities.
• Conduct historical data simulations to forecast portfolio impacts under various scenarios.

• 1 to 3 years of previous work experience in data analytics, preferably within financial services or fintech.
• Proficiency in MS Excel is essential; experience with statistical software (e.g., SAS, R) is a plus.
• Demonstrated understanding of product lifecycle, credit risk assessment, and collections policies.
• Strong communication and interpersonal skills, capable of collaborating effectively across teams.
• Excellent organizational and time management abilities to handle multiple priorities.
• Strategic thinker with a proactive approach to problem-solving and risk management.
• Ability to multitask and thrive in a fast-paced, dynamic environment.

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, or related field.
• Additional certifications in risk management or data analytics are advantageous.

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