Credit Portfolio Analyst – SME/Commercial recruitment
Basic Job Description:
• Measure and analyze portfolio risk and returns for a credit portfolio composed of consumer and SME segments.
• Aggregation of the portfolio based on underlying risk characteristics, compilation analysis of segmentation reports by sector, mitigant, ratings, customer type etc.
• Testing resilience of the credit portfolio to macro level changes, undertake sensitivity and stress testing.
• Proactive identification of exposures and assess portfolio risk to changes in external and macro-economic factors.
• Suggest norms for financing in various industries / consumer segments and provide inputs for informed credit decisions and financing strategies.
• Protect and enhance the quality of the overall credit portfolio and detect warning signs.
• Work closely with collection, underwriting team and business to improve the 360 degree credit process and identify the risk/reward opportunities.
• Develop and implement loss forecasting (and loan loss reserve) and loss prevention programs for the portfolio.
Preferred Qualifications:
Master's Degree with specialization in Finance, Economics, Statistics, Accounting or other analytical fields
5+ years of work experience in retail banking portfolio/risk management
Outstanding communication and project management skills
Strong analytical and problem solving skills required
High proficiency in Excel spreadsheet and PowerPoint
Knowledge/Experience in using Access and/or VBA a plus