Rule-Based Credit Risk Specialist

19 hours ago

Bengaluru, Karnataka, India beBeeCreditRiskAnalyst Full time ₹ 90,00,000 - ₹ 1,50,00,000
Job Summary

This role oversees the design, implementation and optimization of rule-based systems governing credit policies for various loan products. The specialist ensures credit policies align with the bank's credit strategy, regulatory requirements and evolving market conditions.

Key Responsibilities
  • Design and Implementation: Develop and implement business rules within the credit policy framework using a Business Rule Engine (BRE) to automate and optimize decision-making.
  • Rule Development: Translate credit policies, risk strategies and underwriting guidelines into technical rules in BRE.
  • Monitoring and Refining: Continuously monitor and refine rules to adapt to policy changes, regulatory requirements and credit risk strategies.
  • Collaboration: Collaborate with stakeholders to gather business requirements ensuring that the BRE aligns with organizational objectives and compliance standards.
  • User Training: Train regional users on new rules configured in BRE.
  • BRE Maintenance: Coordinate with IT and vendors on BRE patch updates and ensure smooth migration without business disruptions.
  • Analysis: Analyze trends for rule fails and assist regions in achieving higher STP rates.
Required Skills and Qualifications
  • Bachelor's/ Master's degree in business, finance, computer science, data analytics or related field.
  • 3-5 years of experience in IT-banking domain.

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