01Overview
Role & responsibilities
Apply statistical tool to analyze the pattern and come with detailed assessment
Develop rating model/scorecard for various retail and corporate loans based on historical data
Good experience in ECL(PD/LGD) and EWS model development.
Testing of scorecard/model on a regular basis and update
Review and Analysis of historical loan data to understand the pattern from default point of view
Review and Prepare risk dashboard for management which shows all important risk parameters
Coordinate with various stakeholder for the rating model implementation
Prepare and maintain database of loan product from risk assessment point of view
Ensure data is correctly captured in the system and coordinate with different team to fix the issue
Coordinate with IT team for the automation of credit approval process
Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption
Preferred candidate profile
Experience in Credit Risk Analytics, Scorecard Development, Model Validation, or Portfolio Risk Management.
Strong knowledge of statistical techniques, predictive modeling, and credit risk frameworks.
Proficiency in SAS, SQL, Python, R, Excel, or similar analytics tools.
Interested candidates may share their resume on adarsh.pandey@utkarsh.bank.in. .
