Credit Risk-Regulatory

The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for the end-to-end management and continuous validation of all post-implementation processes and ongoing production monitoring for customer-facing credit risk platforms. This role ensures that all credit risk technology solutions, once deployed, perform effectively, and align with both regulatory requirements and business objectives. This person will be responsible for validating model and platform performance, identifying areas for optimization, and ensuring stability, reliability, and scalability of systems in production.

This role requires good understanding of credit risk systems, customer impact, and technology operations, including post-implementation assessments, operational risk management, and ongoing system monitoring to prevent disruptions and ensure compliance.

Responsibilities:

Post-Implementation Validation:

• Design and perform the validation of all customer-facing credit risk platforms post-deployment, ensuring that they function as intended, align with business strategies, and meet regulatory requirements.
• Support the development and execution of post-implementation validation frameworks, focusing on model performance, rule accuracy, and platform effectiveness across all credit risk decisioning systems.
• Partner with risk management, IT, and operations teams to assess potential vulnerabilities, gaps, or deficiencies in system performance and address them promptly.

Production Monitoring & Issue Resolution:

• Establish and manage a robust framework for ongoing production monitoring of credit risk platforms, ensuring proactive identification and resolution of system performance issues.
• Implement real-time and batch monitoring processes that assess credit risk platforms' operational performance, data integrity, and customer impact across various product lines.
• Ensure timely resolution of production issues, including the identification of root causes, formulation of solutions, and collaboration with technology teams to implement necessary fixes or enhancements.

Customer Impact & Experience:

• Ensure all customer-facing credit risk platforms perform reliably in production, minimizing any negative impact on the customer experience due to system errors, downtimes, or performance issues.
• Support initiatives to continuously improve platform stability, reducing risk to customers and ensuring the organization's credit risk models and rules are consistently delivering accurate decisions.
• Engage with business stakeholders to understand customer needs and expectations, ensuring production systems evolve to meet them efficiently and effectively.

Regulatory & Compliance Monitoring:

• Ensure all post-implementation validation and production monitoring activities meet regulatory and compliance requirements, including alignment with policies related to credit risk, data usage, and customer protection.
• Develop and maintain documentation and audit trails that demonstrate compliance with regulatory expectations for system validation and ongoing monitoring, particularly in highly regulated environments.
• Collaborate with internal audit, compliance, and regulatory bodies to provide transparency into the post-implementation performance of credit risk platforms.

Risk Management & Control:

• Support efforts to enhance the governance and control frameworks for credit risk platforms, with a focus on operational risk management in production environments.
• Implement ongoing risk assessments to identify and mitigate emerging risks in production systems, ensuring that customer-facing platforms maintain stability and performance standards over time.
• Collaborate with cross-functional teams to ensure that all risk controls are integrated into the monitoring process and that issues are escalated appropriately.

Team Leadership & Collaboration:

• Foster a culture of collaboration between business, technology, and risk teams to ensure alignment on post-implementation expectations, continuous monitoring needs, and issue resolution processes.

Technology & Platform Optimization:

• Work with technology teams to design and implement advanced monitoring tools that provide real-time insights into platform performance and customer impact.
• Support efforts in continuous platform optimization to enhance system reliability, reduce risk, and improve the accuracy of credit risk models and rules in production.
• Ensure ongoing performance testing, stress testing, and platform scalability efforts are embedded into the production environment, preventing disruptions and maintaining platform resilience.

Qualifications:

Educational Background:

• Bachelor's degree in information technology, Business, Risk Management, or a related field. Advanced degrees (MBA, MS) and certifications in technology operations, risk management, or project management are preferred.

Experience & Leadership:

• 4+ years of experience in risk management, technology operations, or production monitoring in corporate banking/ financial institutions
• Knowledge of corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
• Experience in managing operational risk for technology platforms, with a focus on identifying, mitigating, and resolving production issues that impact business and customer outcomes.

Operational Risk & Technology Expertise:

• Good understanding of credit risk management, technology platforms, and operational risk controls, particularly in the context of post-implementation processes.
• Familiarity with modern monitoring tools, risk management frameworks, and production systems used to assess technology performance in real-time (SAS/ Tableau/ AI/ Oracle) supported by relevant programming skills
• Utilize statistical tools to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing

Regulatory & Compliance Knowledge:

• Solid knowledge of regulatory requirements related to credit risk, data management, and customer-facing platforms, ensuring alignment with post-implementation and monitoring processes.
• Experience working with internal audit, regulatory bodies, and compliance teams to ensure transparency and adherence to risk and regulatory expectations

Strategic Thinking & Problem Solving:

• Strong strategic thinker with the ability to anticipate production challenges and operational risks in post-implementation environments, developing robust solutions that enhance system performance.
• Experience in problem-solving complex operational issues, leveraging cross-functional expertise, and driving long-term improvements in production systems.
• Strong analytical skills in conducting analysis using bureau/ application/ customer data to identify anomalies and adverse trends

Stakeholder Management & Communication:

• Good stakeholder management skills with the ability to communicate system performance, risks, and monitoring insights to senior leadership, technology teams, and business partners.

• Proven ability to remain organized in a fast-paced environment

• Clear and concise written and verbal communication skills

• Demonstrated accountability, self-motivation and business acumen

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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