Credit Specialist

Job Description

Company: Analytics Saves at Work is looking for a Credit Specialist for a client in the BFSI sector. This role requires a deep understanding of Credit & Lending within banking, with expertise in data analytics and risk management frameworks. The ideal candidate will help drive data-driven decision-making, improve credit assessment processes, and enhance customer outcomes. Roles & Responsibilities: Convert business challenges into analytical problems and deliver data-driven solutions. Strong understanding of Credit & Lending processes within Wholesale Banking. Conduct in-depth analysis to provide high-quality insights and recommendations for credit risk management. Design data-driven solutions for credit risk assessment across multiple businesses/regions to improve decision-making. Drive efficiency gains and process enhancements in credit evaluation and risk assessment. Utilize data to improve credit approval processes and customer outcomes through insights and analytics. Identify, assess, and mitigate risks associated with credit portfolios. Work on business benefit initiatives through self-initiated projects related to credit risk and lending. Requirements: Minimum of 4 years of experience in Credit & Lending analysis. Strong background in Wholesale Banking with exposure to Credit Risk Frameworks such as Basel II, Basel III, IFRS 9, and Stress Testing. Hands-on experience in advanced programming languages such as Python (Pandas, Numpy) or PySpark. Expertise in data processing, ETL, SQL, Hive/Spark SQL, and Data Warehousing. Experience with risk and analytics applications in credit and lending. Prior exposure to Agile methodology and project management tools like Jira, Confluence, and GitHub. Strong communication and interpersonal skills for liaising with business teams and stakeholders.