Manager ECL(Expected Credit Loss) Analyst- Pune

1 week ago

Pune, Maharashtra, India Talent Leads Consultants Full time ₹ 12,00,000 - ₹ 36,00,000 per year


Job Description:

1. Monthly ECL Calculation & Data Validation

  • Accurately compute monthly Expected Credit Loss (ECL) per Ind AS/IFRS9 or relevant standards.
  • Collect, clean, and validate data inputs for accuracy and consistency.
  • Analyse data quality, identify anomalies, and take corrective actions.
  • Perform reconciliations and sensitivity analyses to validate results against portfolio risk.
  • Deliver monthly ECL results within deadlines to support financial reporting and decisions.

2. ECL Model Development & Validation

  • Design and develop quantitative ECL models incorporating PD, LGD, and EAD parameters.
  • Conduct validation to assess model performance, stability, and regulatory compliance.
  • Update and recalibrate models based on new data, market changes, or regulations with version control.
  • Conduct scenario and sensitivity analyses for macroeconomic impact assessment.
  • Document methodologies, assumptions, and validation results for transparency and audit.
  • Collaborate with data scientists, risk analysts, and IT for model enhancement and integration.

3. Cross-Functional Collaboration

  • Liaise with Risk Management to align ECL models with risk appetite and frameworks.
  • Work with Finance to ensure ECL consistency with financial reporting and compliance.
  • Respond to data/reporting requests from rating agencies, banks, and stakeholders.
  • Facilitate knowledge sharing workshops to improve ECL calculation accuracy.
  • Serve as contact for queries on ECL methodologies, assumptions, and data interpretation.

4. Regulatory & Audit Coordination

  • Serve as the primary contact during audits, supplying documentation and clarifications related to ECL model/calculation, NPA, and asset quality.
  • Prepare responses to regulators and submit accurate credit risk and provisioning data timely.
  • Implement remedial actions for audit and regulatory findings to improve compliance.
  • Stay updated on regulatory requirements affecting ECL reporting and asset classification.
  • Support regulator reviews by ensuring data transparency and methodological consistency.

5. Reporting & Process Automation

  • Prepare detailed ECL reports for management, auditors, regulators, highlighting key insights.
  • Maintain comprehensive documentation of processes, calculations, and assumptions for audit readiness.
  • Lead automation initiatives for ECL calculations and reporting using SQL/BI tools.
  • Continuously evaluate and improve processes for accuracy, speed, and reliability.
  • Monitor and report benefits of automation such as time savings, error reduction, and compliance improvements.

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