Manager- Credit Risk and Analytics

1 month ago

Bengaluru, India Ujjivan Small Finance Bank Full time

ROLE PURPOSE & OBJECTIVE

(A two to three line statement outlining the objective or the reason for which the job exists. What would not get done in the organization if this role did not exist?)


  1. Design and development of advanced risk analytics solutions and credit rating systems in collaboration with Analytics, IT and Business teams.
  2. Prepare various business intelligence dashboards and reporting tools for reporting to senior management.
  3. Assist CRO and Lead- Risk Analytics to review and analyze existing business strategies; recommend and implement new strategies that will help manage credit risk and drive growth in all credit verticals.


SIZE OF THE ROLE


FINANCIAL SIZE

NON-FINANCIAL SIZE

  • CAPEX / OPEX Budgets resting with the role - NIL Total Buying / Procurement- N/A Total Revenue- N/A Portfolio Managed - Rs. 30,000 crores (Gross advances and investments)


  • Number of vendors / consultants - ~2-3
  • Number of portfolio products – six credit verticals and one investment vertical
  • Volume of products and services – actual balance sheet
  • Quantity of equipment / stocks / projects / etc.- ~1-2
  • Credit files received / underwritten- N/A
  • Volume of new hires onboarded- N/A
  • Volume of recruitment etc .- NIL



KEY DUTIES & RESPONSIBILITIES OF THE ROLE

(These responsibilities are representative and the role holder is also responsible for any other job assigned by the superior authorities from time to time. This section in not intended to be an exhaustive listing of all activities done by the role holder. It should capture only the key deliverables and responsibilities of the role)


  1. Business/ Financials (Only Relevant roles) Design & Implement credit scorecards for various asset classes
  2. Ensure lifecycle management of all existing/ new scorecards (Application & Behavioral).
  3. Perform regular model monitoring and continually improve the model governance practices
  4. Translate business problems into clear analytic problem statements.
  5. Collaborate and assist in designing and development of advanced analytics solutions in collaboration with Analytics, IT and Business teams.
  6. Measure and articulate how analytic results help in improving Bank’s business and financial metrics.
  7. Involve in scoping, development and deployment of explanatory, predictive and prescriptive solutions.
  8. Build and Develop BI dashboards and reporting frameworks.
  9. Coordinate with business, credit, compliance and audit to formulate and enhance the risk management framework.


  1. Customer (Both Internal & External) Coordinate with IT and operations to implement new scorecards & pricing frameworks agreed by business and credit
  2. Drive communication of all risk related policies, guidelines, latest developments across the bank to facilitate compliance to it.
  3. Present new scorecard strategies to management committees and board. Provide leadership by interpreting regulatory guidelines related to credit risk model management & governance.


  1. Internal Process- Regular review of the risk outlook and impact of portfolio quality and recommend risk mitigation measures, if warranted.
  2. Ensure timely and accurate delivery of Credit Risk reports. Interpret the information and suggest actions for consideration by Senior Management
  3. Participate in scheduled meetings of Risk management Committee (for credit risk only)
  4. Proactively work on the monthly or quarterly regulatory reporting on risk related aspects
  5. Ensure the committee recommendations are documented and implemented effectively.
  6. Provide inputs for collating Tranche I and II points as part of Risk Based Supervision



  1. Innovation & Learning- Maintain a knowledge base of best practices followed for credit risk modelling, provide advice on upgrading existing infrastructure and link the same to pricing strategy.
  2. Maintain current knowledge of laws and regulations, keeping abreast with the most recent developments in regulations, notifications and circulars and disseminate the information regarding new regulatory developments
  3. Maintain a knowledge base of strategy failures and implications, provide advice on preventive actions and link the same to risk strategy.
  4. Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self.
  5. Participate in industry level discussions to debate on the regulations or the best practices of risk management impacting micro banking, whenever called.
  6. Train credit and business on the risk management framework
  7. Participate in relevant business, credit, collections and audit reviews



MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS



Educational

Qualifications

Post-Graduate or Advanced Degree in Data Science/ Statistics



Experience

At least 5 years of experience in Risk Management from a Nationalized Bank/ Private Sector Bank/ Large NBFCs.



Certifications

Function Specific Certification (CFA, FRM) is preferred



Functional Skills

  • Excellent programing skills (Python, SaS, R)
  • Sound understanding & clear experience of Credit Scorecard Development & Implementation.
  • Good Understanding of portfolio management techniques including analytics.
  • Understanding of Risk Management principles & thorough understanding of the evolving practices for the management of credit risk and regulatory requirements
  • Knowledge of RBI polices/guidelines relevant to SFBs/ NBFCs
  • Experienced in Visualization Tools (Tableau, Power BI, Qlik Sense) is preferred
  • Experienced in SQL is preferred
  • Knowledge of Risk Based Pricing & ECL Modelling is preferred



Behavioral Skills

  • Interpersonal communications
  • Stakeholder management
  • Project management skills
  • Problem solving & critical think
  • Planning & organizing

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