▷ (15h Left) Team Member - Expected Credit Loss

3 weeks ago

Navi Mumbai Mumbai City Mumbai, India Yes Bank Limited Full time

Job Description Role: Senior Team Member Credit Risk Modelling Unit ECL Model Development and Implementation: Build and maintain statistical models to calculate Expected Credit Losses across different loan portfolios based on factors like borrower credit history, macroeconomic indicators, and industry trends. Implement the ECL model within the Bank's system to automatically generate provisioning requirements. Regularly review and update the ECL model to reflect changing market conditions and portfolio dynamics. Data Management and Analysis: Collect and cleanse loan data from various internal systems to ensure accuracy for ECL calculations. Perform data analysis to identify trends and patterns impacting credit risk. Develop data visualization tools to present insights on credit risk metrics to senior management. Regulatory Compliance: Ensure adherence to regulatory guidelines regarding ECL calculation and provisioning as per Ind AS 109. Prepare necessary reports and documentation to support regulatory audits. Collaboration and Communication: Work closely with the credit risk team, finance department, and IT team to ensure accurate ECL calculations and smooth implementation of the ECL model. Communicate ECL related insights and risks to senior management and stakeholders. Required Skills and Qualifications: Strong understanding of credit risk management and the ECL framework under Ind AS 109 Expertise in statistical modeling techniques, including regression analysis, decision trees, and time series analysis. Proficiency in data manipulation and analysis tools like SQL, SAS, or Python Financial modeling skills and understanding of financial statements. Excellent communication and presentation skills to convey complex financial concepts to non-technical audiences. Relevant experience in credit risk management within a banking or NBFC environment

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