Business Analyst - Credit Risk Analysis

Key Skills:

Roles and Responsibilities:

• Gather and analyze operational data from multiple stakeholders to evaluate past business performance and identify risk patterns.
• Interpret data trends and provide actionable insights to enhance business planning, credit assessment, and process optimization.
• Recommend data-backed actions for future growth, operational improvements, and policy enhancements.
• Conduct exploratory and confirmatory data analyses to generate insights on customer behavior, segmentation, and credit trends.
• Partner with business and risk teams to design and implement analytical models that improve decision-making.
• Develop, test, and maintain credit risk metrics, dashboards, and reports for leadership review.
• Collaborate with cross-functional teams to ensure data integrity, consistent methodologies, and best practices in credit risk analytics.
• Continuously explore and implement new data sources, tools, and techniques to improve efficiency and accuracy.
• Ensure all analytical practices comply with regulatory requirements and risk management standards.

Skills Required:

• Proficiency in SAS and SQL for data extraction, manipulation, and analysis.
• Proven expertise in Credit Risk Analytics within the financial services domain.
• Experience with Python or PySpark for large-scale data processing and model development.
• Strong understanding of credit scoring models, loss forecasting, and portfolio monitoring.
• Excellent communication and presentation skills to translate data insights into business actions.
• Strong attention to detail, analytical problem-solving, and stakeholder management abilities.
• Ability to work independently and collaboratively in a fast-paced, dynamic environment.

Education: