Risk Analytics

3 days ago

Mumbai, India Riverforest Connections Full time

**Job Purpose**

Providing analysis and feedback to supervisor and to product, policy, collections, fraud risk teams of the Bank, building scorecards to assess portfolio behaviors.
- **1. Criteria 1-Projects done in the past**:Presence of any of these keywords (Indicating executed projects and not his willingness to take up the role): OCR, NLP, Computer Vision, Crop Identification, Cyber security, Fintech, Unstructured Data
- **2. Criteria 2- Programming Language**:Presence of any of these keywords: Python, hadoop, Azure, AWS, SPARK
- **Responsibilities**
- **Scorecard Building and Modeling**:

- Provide analytical and data support to the different teams within the retail lending space in the Bank, mainly Policy, Product, Collection and Fraud Units.
- Responsible for development of various scorecards / models for the Retail asset products of the Bank within the specified timelines.
- Portfolio monitoring and analysis for the different loan portfolios of the bank with the aim of supporting the policy units in the areas of sourcing and portfolio management.
- Co-ordinating with the internal IT team for providing data support to the various teams within the Bank
- Co-ordinating with Bureau and other Analytics vendors to evaluate industry trends, bureau scrubs, proof of concept experiments, analytics projects.
- Formulating data cuts and strategies to increase cross-sell of asset products to existing customers of the Bank

**Portfolio Monitoring**
- Ongoing monitoring of accounts including tracking developments in the industry and the account to identify stresses early and work with business and risk teams in devising appropriate mitigation strategies wherever required. Advanced detection before SMA / Rating downgrade / default
- Focused house keeping which involves follow up on clearing deferrals/ overdue/delays appearing in daily MIS circulated by Operations team.
- To identify and closely monitor accounts which are in stress, in order to devise and implement account strategy
- Appropriate level of client calling to develop strong understanding of client business and industry dynamics

**Innovation**
- Thinking, evolving and making significant changes in the processes, techniques, methods so as to save time, energy and money.
- Any other assignments depending on the needs of the organization
- Good Experience in AI (Artificial Intelligence) and machine learning
- Should have good ETL and SQL development skills with Banking domain expertise.

**Educational Qualifications**: MBA/CA/FRM/CFA
- **Key Skills**
- Strong technical & analytical skills.
- Strong written and verbal communication skills
- Strong Excel modeling skills.
- Expert knowledge in analyzing financial statements.
- Banking Product & Process Knowledge
- Understanding of accounting principles and Regulatory Knowledge
- Excellent knowledge of competition & current trends in financial Industry.

**Experience Required**
- Experience of 5+ years (min 5 yrs. for E4) in credit risk management in wholesale banking from reputed financial house
- Exposure to banking preferable

**Skills Required**:
Risk Analytics Data Scientist Logistic Regression Machine Learning Predictive Modeling XGBOOST Text Mining Unstructured Data Data Science Scorecard designing R Python ETL SQL

**Location**

Mumbai / Chennai

**Years Of Experience**

3 to 8 Years

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