Team Member-support Services-credit Industry

2 weeks ago


Mumbai, India Kotak Mahindra Full time

**Department**
- Team Member - Credit Risk Analytics**Location**
- Mumbai**Role Requirements**
- Review of Credit Policies, Identification of risks emanating in various credit portfolios of the Bank
- Analysis of portfolios (Risk drivers - ratings, scores, delinquencies, roll rates, cure, collection efficiency, churn, concentrations, ECL)
- Monitoring of external environment (macro-economic, regulatory, industry) and its impact on the Bank’s portfolios to drive risk decisions.
- Development of credit models enabling predictive analysis of risks in the Bank’s lending portfolios.
- Development of Parametrical Risk Dashboards for Senior Management
- Closely monitoring performance of existing and new portfolios and comparison with peers
- Reviewing products launched in the credit segments of the Bank and providing relevant risk recommendations.
- Develop and monitor effectiveness of scorecards and risk models for consumer and commercial banking portfolios.
- PD / LGD / ECL modelling for Commercial & Consumer portfolios

**Pre-Requisites**
- Upto 2 years of experience in a Bank or consulting firm in the areas of risk analytics, credit monitoring, credit risk modeling
- Experience in areas like statistical modeling of credit risk, development of credit risk models.
- Above average to advanced excel skills
- Experience in working with SQL, SAP BO, SAS, R will be preferred
- Professional Qualifications - CA or MBA with FRM preferred

**Message to potential applicants**
- If your education and work experience have given you solid skills in diligence, quantitative analysis, computer software and communication, then you are the profile that we will be interested. While there is lot of data, a significant amount of human interpretation is needed in order to deliver reasoned and thorough insight. The position gives you an excellent insight into the organization and this grounding of business acumen and customer insight is sure to stand you in good stead.



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