Director Credit Risk

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