About the role
Job Title
Risk Analyst - Credit Mid Office
Business Unit
Integrated Risk Management
Reporting To
Supervisor - Credit Mid Office
Job Function and Role Type
Risk, Individual Contributor
Version No
Job Purpose
Calculate, monitor, and report portfolio-level credit risk triggers. Analyze and present data for portfolio risk dashboards and other analyses.
Key Responsibilities
Actionable (JR):
Calculate, monitor, and report regulatory and board-level credit risk triggers; Ensure accuracy of data used for calculations and obtain required sign-offs; Maintain data repositories and evidence for audit purposes; Automate data extraction and dashboard creation wherever possible.
Triggers, such as RAS limits, Product Portfolio ENR limits etc
Monitor and report internal limits such as ICAAP; Report existing and impending limit breaches to relevant units or authorities; Departments Or Authorities, As May Be Defined From Time To Time; Fetch required data from appropriate source systems; Ensure data accuracy and validation through maker-checker processes.
departments or authorities, as may me defined from time to time
calculation of values against the limits set
Perform calculations against set limits and validate results; Provide primary inferences from data trends and analyses.
authorities (wherever applicable) for the same. Ensuring maker-checker validation on the data being used and accuracy of calculation
Maintain accountability evidence through maker-checker validation; Produce accurate calculations for internal and regulatory audits.
produced for internal/ regulatory audit purpose. Maintaining evidence of maker-checker
application for identification of accountability
Automate data collation and streamline processes for accountability; Develop dashboards and visualizations for final output presentations; Dashboards Wherever Possible; Create dashboards and visualizations using tools like Tableau and PowerPoint; Present data trends and analyses in clear, actionable formats.
dashboards wherever possible.
for presentation of final output. Educational Qualifications
Education:
Postgraduate/MBA/PGDM in finance domain.
Certifications:
Proficient in R, SAS, SQL, Python.
Key Competencies
Analytical skills, communication skills, proficiency in MS Excel and PowerPoint, knowledge of banking products, expertise in analytical tools.
Major Stakeholders
Coordinate with Portfolio Risk Review, IT and Analytics, Credit Strategy and Control, Collections, Business Units, and RAS & ICAAP teams.