Risk Analyst

Role & respon

Job Description - Business Analyst - Risk

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Role Overview

As a Business Analyst in the Risk team, you will partner closely with Risk Managers and Data Scientists to:

• Develop, maintain and enhance risk assessment models and frameworks across credit, operational, and portfolio risk.
• Analyze large datasets to identify risk trends, early warning signals, and portfolio performance metrics.
• Produce regular risk dashboards, heat maps, and reports for senior management and key stakeholders.
• Collaborate with product, finance, and collections teams to implement risk mitigation strategies and stress-testing scenarios.
• Support special projects in fraud detection, stress testing, and scenario analysis using statistical and machine learning techniques.

Key Responsibilities

• Risk Modeling & Analytics:

  Build and validate credit risk scorecards, PD/LGD models, and conduct back-testing and model performance monitoring.

• Data Analysis & Reporting:

  Extract and manipulate data using SQL/Python; deliver automated reports and interactive dashboards (e.g., Power BI, Tableau).

• Portfolio Monitoring:

  Track portfolio-level risk metrics, repayment behaviour, delinquency patterns, and produce monthly/quarterly reports.

• Policy & Frameworks:

  Assist in drafting risk policies, credit guidelines, and limit structures; ensure regulatory and internal compliance.

• Stakeholder Management:

  Liaise with business users, data engineering, and compliance teams to translate risk insights into actionable recommendations.

Required Skills & Competencies

• Strong quantitative and analytical skills, with hands-on experience in statistical concepts (regression, hypothesis testing, clustering).
• Advanced Excel skills for modelling and analysis
• Proficiency in SQL to independently query data
• Python or R (preferred) For deeper analysis like logistical regression, WOE IV analysis and model training.
• Excellent data visualization skills using tools like Power BI, Tableau, or equivalent.
• Attention to detail, problem-solving orientation, and ability to work under tight deadlines.
• Collection process awareness and how collections data ties back to credit risk modelling

  sibilities

Relevant Experience

• Experience:

  24 years in risk analytics, credit risk, or financial consulting with prior experience in building risk or credit models.

• Background:

  Prior exposure to credit underwriting, portfolio risk management, or fraud analytics.

• Education:

  Bachelor’s/Master’s degree in Finance, Economics, Statistics, Engineering, or related field. Top-tier educational background preferred.

Preferred candidate profile