Job Description

Job Title: Credit Risk Analyst
Role Overview:
The Credit Risk Analyst is responsible for assessing, monitoring, and managing credit risk across individual clients, products, and the overall loan portfolio. The role involves using data analytics, financial modeling, and risk management techniques to ensure prudent lending decisions, minimize losses, and maintain compliance with regulatory standards.
Key Responsibilities:
Credit Risk Assessment: Analyze financial statements, credit bureau reports, and market data to evaluate borrower creditworthiness.
Model Development & Validation: Support the development, testing, and maintenance of credit risk models (PD, LGD, EAD) for scoring and portfolio management.
Portfolio Monitoring: Track credit exposures, delinquency trends, and early warning signals across products and customer segments.
Risk Reporting: Prepare risk dashboards, MIS, and regulatory reports (Basel/IFRS9/RBI guidelines).
Loss Forecasting & Provisioning: Assist in estimating Expected Credit Loss (ECL) and stress testing loan portfolios.
Policy & Compliance Support: Contribute to credit risk policies, underwriting standards, and ensure adherence to internal and regulatory requirements.
Collections Analytics: Use predictive analytics to support recovery strategies and minimize defaults.
Cross-functional Collaboration: Work with business, product, and collections teams to balance growth with sound risk management.
Key Skills & Competencies:
Strong knowledge of credit risk principles, Basel norms, IFRS9, RBI guidelines.
Proficiency in data analysis tools (Excel, SQL, Python, R, SAS, Power BI, Tableau).
Solid understanding of financial statements and ratio analysis.
Analytical mindset with attention to detail and problem-solving skills.
Strong communication and presentation abilities.

Skills Required