Job Description
Role Responsibilities
• High level Role Description
o Conduct portfolio analytics and deep dives as required by country/regional/Group Retail Credit. Develop credit strategies across the customer lifecycle of Origination, Portfolio Mgmt and Collections.
o Create insights for Retail Risk by studying portfolio trends, performing necessary analytics such as segmentation, profiling, cut-off setting, stress testing, sensitivity analyses
o Timely identification of shifts in portfolio risk profile and re-aligning risk-measurement tools for effectiveness and continuously enhance data-driven credit decisions
o Provide analytical support to various Risk Reviews, perform adhoc analytical requests to support policy changes
o Participate in selective strategic initiatives to build and enhance Group's in-house analytics capabilities; Research on emerging trends in analytics industry
o Embed Bank's risk management and decisioning framework in day-to-day work, ideate / self-initiate necessary analytics to drive portfolio performance
o As per TOM supervise and coach team members for effective project delivery
• Competency expected in role
o Strong logical reasoning ability. Ability to perform various industry standard complex statistical analysis in relation to credit risk problems
o Ability to work with data organized across platforms and formats (DB2 tables, SAS datamarts, Excel spreadsheets, text files)
o Ability to blend in existing BAU analytical projects and processes in a seamless manner
o Ability to bring out meaningful and actionable insights from unstructured data
o Maintaining the desired quality of analytics within stipulated timeframe
o Ability to work with multiple departments and stakeholders within the Bank to achieve end results
o Ability to lead team members across multiple project assignments, while delivering on own projects
• Key Stakeholders
o Regional Credit Officers/CROs
o Country Credit Head
o Regional/Country Business Segment Heads
o Global Head – Credit Risk Management (Retail)
o Head of CRM Analytics – SCMAC
• Key Measurable:
o No direct business targets on asset growth or portfolio profitability
o Timely and accurate analytical insights to support good portfolio growth and optimized risk return decisions
o Process governance as per organizational standards
o Effective people management of direct reports (if applicable)
Our Ideal Candidate
• Advanced degree (preferably Masters) in a Quantitative Discipline ( Math, Stat, Eco, Engineering, Finance, MBA)
• 5-10 years desired relevant work experience Visit our careers website
• High level Role Description
o Conduct portfolio analytics and deep dives as required by country/regional/Group Retail Credit. Develop credit strategies across the customer lifecycle of Origination, Portfolio Mgmt and Collections.
o Create insights for Retail Risk by studying portfolio trends, performing necessary analytics such as segmentation, profiling, cut-off setting, stress testing, sensitivity analyses
o Timely identification of shifts in portfolio risk profile and re-aligning risk-measurement tools for effectiveness and continuously enhance data-driven credit decisions
o Provide analytical support to various Risk Reviews, perform adhoc analytical requests to support policy changes
o Participate in selective strategic initiatives to build and enhance Group's in-house analytics capabilities; Research on emerging trends in analytics industry
o Embed Bank's risk management and decisioning framework in day-to-day work, ideate / self-initiate necessary analytics to drive portfolio performance
o As per TOM supervise and coach team members for effective project delivery
• Competency expected in role
o Strong logical reasoning ability. Ability to perform various industry standard complex statistical analysis in relation to credit risk problems
o Ability to work with data organized across platforms and formats (DB2 tables, SAS datamarts, Excel spreadsheets, text files)
o Ability to blend in existing BAU analytical projects and processes in a seamless manner
o Ability to bring out meaningful and actionable insights from unstructured data
o Maintaining the desired quality of analytics within stipulated timeframe
o Ability to work with multiple departments and stakeholders within the Bank to achieve end results
o Ability to lead team members across multiple project assignments, while delivering on own projects
• Key Stakeholders
o Regional Credit Officers/CROs
o Country Credit Head
o Regional/Country Business Segment Heads
o Global Head – Credit Risk Management (Retail)
o Head of CRM Analytics – SCMAC
• Key Measurable:
o No direct business targets on asset growth or portfolio profitability
o Timely and accurate analytical insights to support good portfolio growth and optimized risk return decisions
o Process governance as per organizational standards
o Effective people management of direct reports (if applicable)
Our Ideal Candidate
• Advanced degree (preferably Masters) in a Quantitative Discipline ( Math, Stat, Eco, Engineering, Finance, MBA)
• 5-10 years desired relevant work experience Visit our careers website
💡 Quick Summary
Seeking a career-building opportunity? The Associate Director| CRM Analytics position is now open for candidates interested in the Bank Jobs sector. This role in Bengaluru offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
