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Credit Risk Analyst

Employer
Yo Hr Consultancy
Location
Hyderabad Hyderabad Telangana, Telangana, India
Salary
Competitive Salary
Closing date
Jun 16, 2024

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Job Role
Credit Control
Sector
Finance
Contract Type
Permanent
Hours
Full Time
Experience: 3-5 yearsMust-Have:Risk Analytics, Portfolio Management, 2.5+ years of experience doing qualitative and quantitative analysis
Requirements:- Have thorough knowledge of risk & business analytics concepts - scorecard performance review, gap analysis, hypothesis testing, etc.- Have an understanding of credit policy, underwriting process, and experience in implementing credit strategies for unsecured lending products- 2.5+ years of experience doing qualitative and quantitative analysis in the similar domain- Extract valuable insights by creating new variables and establishing relationships among them- Extract valuable insights from performance data and make recommendations- Have the ability to translate hypothesis into nuanced analytical intent- Have the ability to work independently and derive desired results- Be analytically rigorous and structured- Work with partner teams to communicate requirements and drive necessary outputs
Responsibilities:- Evaluate acquisition and portfolio risk in our lending portfolio, by complete assessment of our internal scorecards and policy matrices.- Constantly assess the effectiveness of existing credit policies and recommend new policies and corresponding operating guidelines for unsecured lending products- Work closely with business teams in building pricing, limit enhancements, and cross-sell strategies- Leverage data to build, monitor and deploy strategies to enhance collections efficiencies- Work closely with collections and underwriting team to ensure the feedback loop is closed and learnings are relayed into our credit decision strategies- Interact with lending partners in helping them understand innovative programs and define metrics for tracking- On the periodic review with the lending partners to track portfolio performance

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