Credit Risk Analyst

1 day ago

Gurugram Gurugram India Straive Full time

Job Description

Job Summary:

We are seeking a skilled Credit Risk Strategy Analyst with strong expertise in SAS and SQL to join our risk management team. The successful candidate will play a key role in developing, implementing, and monitoring credit risk strategies by leveraging data analytics and predictive modeling techniques. This role requires a blend of analytical skills, risk knowledge, and technical proficiency to enhance the bank's credit risk decision-making framework.

Key Responsibilities:

- Develop and implement credit risk models and strategies to assess, monitor, and mitigate credit risk exposure.
- Utilize SAS and SQL to extract, manipulate, and analyze large datasets for risk assessment and strategy development.
- Perform credit portfolio analysis, segmentation, and risk scoring to identify trends, patterns, and emerging risks.
- Collaborate with data scientists, credit risk officers, and business stakeholders to develop robust risk models.
- Design and execute validation procedures for credit risk models and reporting.
- Generate comprehensive reports and dashboards that communicate risk findings and strategy recommendations clearly to senior management.
- Monitor performance of credit risk strategies and models, adjusting as needed based on data insights.
- Ensure compliance with regulatory requirements and internal risk management policies.
- Support credit policy formulation and updates by providing data-driven insights.
- Stay updated on industry best practices and regulatory changes in credit risk management.

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Required Qualifications:

- Bachelor's or Master's degree in Finance, Economics, Statistics, Mathematics, Computer Science, or related field.
- Proven experience in credit risk analysis, credit risk strategy, or related areas.
- Strong proficiency in SAS for data analysis, statistical modeling, and reporting.
- Advanced skills in SQL for data extraction, transformation, and database querying.
- Experience with credit risk models such as PD, LGD, EAD, and scorecards is preferred.
- Solid understanding of credit risk regulations (e.g., Basel III/IV, IFRS 9) and risk frameworks.
- Excellent analytical, problem-solving, and communication skills.
- Ability to work collaboratively across multiple teams and manage competing priorities.

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