Risk Analyst

4 weeks ago

Mumbai, Maharashtra, India Credila Financial Services Limited Full time

About the Company

Credila Financial Services Limited (Formerly known as HDFC Credila Financial Services Limited) is one of India's largest education loan non-banking financial companies (NBFCs) offering education loans to Indian students. With an in-depth understanding of the higher education domain in India as well as overseas, Credila offers tailor-made education loan solutions that help enable students to be financially equipped to pursue their education at their dream university and country of study. Since inception, Credila has funded 178,000+ Indian students across 63 countries in 4,600 institutes

Responsibilities

  • Meeting and communicating with the various stakeholders across locations on an ongoing basis to understand the risks associated with the business and making timely recommendations on risk appetite
  • Ensuing timely review of risk registers received from the various risk owners and risk managers - assist in the approval process, check efficacy of the rating & scales assigned from time to time and on a timely basis update the management of any new risks as well as any risks which must be demised
  • Designing early warning signals and Monitoring of portfolio to include initiating effective remediation solutions and watch listing
  • Reviewing the policies from time to time and suggesting any changes / amendments thereto as well as drafting new policies as may be required from risk management point of view
  • Working on credit modelling and other predictive models to facilitate decision making including internal rating models and scorecards and then monitoring the efficacy of these models
  • Introducing data analytics and business intelligence into day-to-day working to ensure the risk management function and business decisions taken thereon are derived from data Taking initiatives in and driving process improvements
  • Engage with external vendors such as FinTech's, risk consulting firms, research agencies, etc. to evaluate new products, services, projects, etc. available in the retail asset finance space
  • Monitoring key metrics like TAT, Rejections, Approvals, Deviations, etc. which reflect the abnormal variance from benchmarks
  • Evaluate the Expected Credit Loss (ECL) model under IndAS framework which involves evaluating framework for staging of assets, estimation of forward-looking PDs, computation of lifetime ECL, incorporation of macro-economic variables, etc

Skills

  • Strong analytical and problem-solving skills
  • Proficiency in MS Excel
  • Proficiency in working on Data Analytical Tools such as R, Python and SAS
  • Basic Knowledge in SQL Language
  • Communication: Effectively interact with management and relevant employees
  • Analytical/Technical: Build and understand financial/risk management models and infer meaningful insights from the information obtained

Qualifications and Experience

  • Post Graduate Diploma in Business Management with Mathematics / Statistics / Information Management as a subject in the curriculum
  • 1-4 years of experience in the areas of Risk Management, Credit Modelling, Data Analytics, etc. (preferred).

Job Location: Mumbai (kalina)

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