Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle.

The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023.

Job Purpose - This role will be responsible for Risk Provisioning basis ECL Models (INDAS) and Loss forecasting for Godrej Capital. The role will directly report to the Head of Analytics and will have high visibility with senior management

Key responsibilities -
• Develop ECL framework basis INDAS including development of PD, EAD and LGD Models
• Monthly execution and monitoring of ECL Models
• Actual Vs Expected tracking with portfolio deep dives
• Develop and Execute Loss forecasting Models
• Model Documentation and Audit support for ECL Models
• Communicate with Senior Management for complete Portfolio Cost of Risk

Qualification & experience= 2 – 4 years of experience in BFSI with focused experience in ECL (INDAS) Graduate / Post-graduate degree in Engineering /Economics/Stats/ Maths or any equivalent Quantitative area. (Engineers preferred)

Essential skills
• Experience in writing complex SQL queries and perform detailed data analysis
• Prior Experience in ECL Modelling
• Proficiency in Python / R (good to have)
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