• The role entails supporting the Credit Risk team of a global bank, in analysing their retail lending products (such as mortgages, credit cards, loans and overdrafts)
• Supporting loan origination activities such as loan approvals/declines, credit line assignment, risk-based loan pricing, limit setting, loan loss modelling, line increase/decrease, etc.
• Credit risk management of the assigned retail portfolio and performing loan analytics (such as stress testing, sensitivity analysis)
• Suggesting and providing support during implementation of credit strategies across the loan life cycle (from origination to recovery/collection)
• Creating interactive dashboards to visually represent and review key metrics and performance/trends for the underlying retail lending portfolio
• Generating MIS, business insights and highlighting portfolio hotspots by deploying available data and applying statistical tools/techniques
• Regular interaction with the client to discuss loan origination/management strategies, visualisation dashboards as well as workflow
• Engage with client teams proactively and identify opportunities for standardization of processes to bring in effectiveness and gain efficiency
• Strong understanding of core finance and accounting concepts. Knowledge of financial services and retail banking operations (ideally in a global bank set-up) are required
• Prior experience in retail loan life cycle operations such as loan origination, account/portfolio management or loan collections/resolution is required
• Experience in loan analytics – such as portfolio stress testing, loan loss modelling, is preferred
• Experience in SAS is a must
• Knowledge of regulations pertaining to banking and retail loans is preferred
• Excellent report writing and communication skills
• Strong process orientation and time management skills
• Ability to communicate analytical thoughts in a crisp, concise and precise manner
• Strong inter-personal skills and ability to participate/contribute as a team player
• Prior experience in Retail Loan Management, Business Analysis, Project Management and Client Management is preferred