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Apply Now! Director Credit Risk

Apply Now! Director Credit Risk

StraiveIndia
11 hours ago
Job description

Job Summary :

We are seeking a skilled Credit Risk Strategy Analyst with strong expertise in SAS and SQL to join our risk management team. The successful candidate will play a key role in developing, implementing, and monitoring credit risk strategies by leveraging data analytics and predictive modeling techniques. This role requires a blend of analytical skills, risk knowledge, and technical proficiency to enhance the bank’s credit risk decision-making framework.

Key Responsibilities :

  • Develop and implement credit risk models and strategies to assess, monitor, and mitigate credit risk exposure.
  • Utilize SAS and SQL to extract, manipulate, and analyze large datasets for risk assessment and strategy development.
  • Perform credit portfolio analysis, segmentation, and risk scoring to identify trends, patterns, and emerging risks.
  • Collaborate with data scientists, credit risk officers, and business stakeholders to develop robust risk models.
  • Design and execute validation procedures for credit risk models and reporting.
  • Generate comprehensive reports and dashboards that communicate risk findings and strategy recommendations clearly to senior management.
  • Monitor performance of credit risk strategies and models, adjusting as needed based on data insights.
  • Ensure compliance with regulatory requirements and internal risk management policies.
  • Support credit policy formulation and updates by providing data-driven insights.
  • Stay updated on industry best practices and regulatory changes in credit risk management.

Required Qualifications :

  • Bachelor’s or Master’s degree in Finance, Economics, Statistics, Mathematics, Computer Science, or related field.
  • Proven experience in credit risk analysis, credit risk strategy, or related areas.
  • Strong proficiency in SAS for data analysis, statistical modeling, and reporting.
  • Advanced skills in SQL for data extraction, transformation, and database querying.
  • Experience with credit risk models such as PD, LGD, EAD, and scorecards is preferred.
  • Solid understanding of credit risk regulations (e.g., Basel III / IV, IFRS 9) and risk frameworks.
  • Excellent analytical, problem-solving, and communication skills.
  • Ability to work collaboratively across multiple teams and manage competing priorities.
  • Preferred Skills :

  • Experience with additional analytical tools (e.g., Python, R, Tableau) is a plus.
  • Knowledge of data warehousing and ETL processes.
  • Experience in banking, financial services, or credit risk consulting
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