Credit Risk Analytics

Post-Implementation Validation: 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. 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. Support to establish 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. 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. 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. 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. Bachelor's degree in information technology, Business, Risk Management, or a related field. 2+ 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 Basic 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 Statistical knowledge - familiar with key statistic metrics/ concepts Knowledge of regulatory requirements related to credit risk, data management, and customer-facing platforms, ensuring alignment with post-implementation and monitoring processes. Experience in problem-solving complex operational issues, leveraging cross-functional expertise, and driving long-term improvements in production systems. Ability to communicate system performance, risks, and monitoring insights to senior leadership, technology teams, and business partners. 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.
Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation.

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