604 Risk Analytics Jobs

Working on the concept of Build for future, work backwards Digital business and partnerships aims to build solutions that will help HSBC CIB business to grow business, maximize productivity and mitigate risk using data, tech and business knowledge. Principal Responsibilities Work on extensive data, data schemas, technology to deliver business intelligence on client, corridor, cross border, lending and flow opportunities. Build lead indicators and actionable insights on business using machine learning, predictive analytics. Work with global risk analytics, risk stewards and business and deliver auto approval lending programs and devise automated score cards and trackers to monitor solutions. Lead the commercialization of the digital platform including roll out plans, stakeholder alignment and channel the feedback for product enhancements. Work with client journey lead and transformation teams to identify manual interventions, bottle necks and duplication of data and replace the same wherever possible & required with digital solutions backed by consent and non-consent data. Deliver and track data outcomes for all CIB business Requirements bachelors degree or degree / certification in data analytics, related field, or equivalent experience. Knowledge in tech, tools for data and analytics. Working experience in corporate banking data, India data stack consent data, cross border data. Understanding of local operating markets and their corresponding span(s) of control within assigned country. Expertise in implementing machine learning solutions. Prefer candidates with working knowledge on AI projects. Strong organisational, analytical, negotiation, communication, teamwork and influencing skills.

Job description Some careers open more doors than others. If you re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further. Risk and Compliance is a global function that brings together all aspects of regulatory and financial crime risk management. Acting as risk stewards, and incorporating a range of specialist teams, we work together with the business and leverage advanced technology to help HSBC navigate a complex regulatory landscape and embed a sustainable approach to compliance risk management that supports safe growth and ensures fair outcomes for clients. Compliance aspires to continuously raise the bar and set leading standards across the industry to help HSBC safeguard its customers and the communities within which it operates. The incumbent is responsible for ensuring that INM Risk Infrastructure and portfolio tracking framework is always fit for purpose. This includes all models, scorecards and frameworks used at different stages of the credit cycle. The incumbent will also be responsible for managing all audit requirements, around portfolio delinquency management, models and frameworks including Regulatory audits. The incumbent will manage the annual AFI from a portfolio risk, model risk perspective, provide appropriate assurance on all analytics and data related to credit bureaus. a) Manage all Regulatory requirements from a portfolio/model management framework perspective. b) Manage RBI AFI from a Portfolio/Model Risk perspective. c) Monitor the performance of all the retail assets book, scrore-cards, frameworks and model used WPB Risk - acquisition, portfolio, stress testing, IFRS-9. d) Manage annual Regulatory Stress testing exercise - EWST. Suggest overlays where needed. e) Support RRA in developing new strategy, scorecard, tiers and risk grades and monitoring performance of existing ones. f) Ensure that risks in unsecured book are identified and tracked against appetite. Any breaches on performance, caps and triggers have to be immediately highlighted/remediated. g) Ensure that risks arising out of defects in models, frameworks etc are mitigated using appropriate process overlays if possible. h) Responsible for all bureau related analytics, partner with credit bureaus to test new scores and products. i) Partner with various stakeholders to ensure bureau information is embedded in policies and risk management frameworks. j) Ensure portfolio reviews (scrubs) are done at appropriate frequency and this information is fully utilised in decision making. k) Manage monthly impairment overlays and monitor the provisioning process to ensure that adeuqate loss cover is available at all times. l) Work with GAC and sherwood teams in monitoring and refresh of sherwood models for all products. m) Work with product risk teams to ensure that sherwood is embedded in risk decisions. Principal Accountabilities: key activities and decision making areas Impact on the Business/Function Ensure the following - Validate portfolio outcomes against stated appetite, highlighting optimization requirements on an ongoing basis. Validate outcomes from models and frameworks on an ongoing basis, test alignment with business strategy and look for swap-in/swap-out against risk appetite. Model Validations on an ongoing basis, determined by business strategy and as required by relevant FIM/RG and regulatory requirements. Accountable for successful completion of annual projects such as a) Sherwood b) Regulatory EWST Accountable for Bureau usage and accuracy Typical Targets and Measures Performance in GIA and RBI inspections. Feedback from internal stakeholders. Timely overlays where required Customers / Stakeholders Regulatory Stress Testing to INM CRO/CFO. Models and Frameworks to Head INM WPB Risk and Head Retail Assets Bureau - Head INM WPB Risk and Head Retail Assets Typical Targets and Measures No adverse feedback from stake holders about quality of reporting Comments during GIA and RBI audits. Leadership & Teamwork Support achievement of the HSBC vision, values, goals and culture in personal behaviour, actions and decision making. Share best practices and encourage others to do the same in the best interests of HSBC and its customers. Take personal responsibility for understanding and agreeing performance expectations, completing the necessary mandatory training and developing the levels of capability and competence needed to be effective in the role. Contribute to team effectiveness and success by sharing knowledge and good practice, working collaboratively with others to create a productive, diverse and supportive working environment. Typical Targets and Measures Effective co-ordination of new initiatives / requests proactively Maintain clear and effective communication with internal and external customers Operational Effectiveness & Control: Maintain a robust and efficient control environment across specialist area to ensure good operational, financial and compliance with HSBC policy and procedures, together with early identification and effective resolution or escalation of issues that arise. Contribute to the implementation and monitoring of the application of policies, governance frameworks, procedures, practices and standards to ensure quality, effective risk management and regulatory compliance. Typical Targets and Measures Support and embed best practice management and procedures in own business area Appropriate governance process is documented and adhered to Deliverables meet global standards and regulatory requirements Satisfactory internal and external Audit Management of Risk The jobholder will ensure the fair treatment of our customers is at the heart of everything we do, both personally and as an organisation. This will be achieved by consistently displaying the behaviours that form part of the HSBC Values and culture and adhering to HSBC risk policies and procedures, including notification and escalation of any concerns and taking required action in relation to points raised by audit and/or external regulators. The jobholder is responsible for managing and mitigating operational risks in their day to day operations. In executing these responsibilities, the Group has adopted risk management and internal control structure referred to as the Three Lines of Defence . The jobholder should ensure they understand their position within the Three Lines of Defence, and act accordingly in line with operational risk policy, escalating in a timely manner where they are unsure of actions required. This will be achieved by: Continuously reassessing risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology. Ensuring all actions take account of the likelihood of operational risk occurring, addressing areas of concern in conjunction with Risk and relevant line colleagues, and also by ensuring that actions resulting from points raised by internal or external audits, and external regulators, are correctly implemented in a timely fashion. Observation of Internal Controls The jobholder will adhere to, and be able to demonstrate adherence to, internal controls and will implement the Group compliance policy by adhering to all relevant processes/procedures. The term compliance embraces all relevant financial services laws, rules and codes with which the business has to comply. This will be achieved by adherence to all relevant procedures, keeping appropriate records and, where appropriate, by the timely implementation of internal and external audit points, including issues raised by external regulators. The following statement is only for roles with managerial or specific Compliance responsibilities: The jobholder will implement measures to contain compliance risk across the business area. This will be achieved by liaising with Compliance department about business initiatives at the earliest opportunity. Also and when applicable, by ensuring adequate resources are in place and training is provided, fostering a compliance culture and optimising relations with regulators. Local Job Requirements Job Dimensions Responsible for appropriate outcomes on portfolio losses vs appetite, models and frameworks used by INM Risk Responsible for managing relationship with RRA, GAC for all INM WPB Risk analytics Responsible for managing yearly RBI audits EWST, Bureau etc. Ad-hoc query management from regulators and stakeholders around model risk and bureau usage. Responsible for all IFRS 9 outcomes from a ECL sufficiency perspective. Job Context INM Retail Assets are on a growth path and the FRP ha ambitious targets around acquisition of both secured and unsecured assets. Inadequate risk infrastructure can result in the bank loosing competitive advantage in the market. Regulatory oversight has increased substantially over the last few years and skilled personnel are needed to manage risks from models and bureau. Major Challenges: Effective interpersonal skills required to coordinate with a large number of stakeholders in the day-to-day work of the job. Be able interacting with managers much senior than the jobholder Knowledge and experience required to effectively analyse the risk in lending portfolios. Knowledge on regulatory requirements is required. To have the resilience to work under pressure prioritise effectively. Typical Targets and Measures Requirements Post Graduate (preferably MBA or Post Grad in Statistics) with 8 years experience in retail credit risk analytics. Strong analytical capabilities. Knowledge on SAS or other data mining tools is essential. Good understanding of consumer credit cycle, risk models and infrastructure. Ability to surface risks and suggest sound risk management controls Ability to analyze business problem, and risk mitigations. Sound communication skills. HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

Job Description: Modeling and Analytics - - Financial Crime Model Development responsible for development and maintenance of all AML Feeder models as per acceptable model risk practices and defined performance parameters to meet firms AML Risk Coverage, while maintaining operational viability. Skills Required: Critical Thinking Quantitative Development Risk Analytics Risk Modeling Technical Documentation Adaptability Collaboration Problem Solving Risk Management Test Engineering Data Modeling Data and Trend Analysis Process Performance Measurement Research Written Communications Effectively creates a compelling story using data; Able to make recommendations and articulate conclusions supported by data Strong Programming skills e.g. R, Python, SAS, SQL, R or other languages Productionizing Data Sets and Data Calibration Role & responsibilities Preferred candidate profile

Join Barclays as an AVP TFI Risk & Analytics at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. you'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unparalleled customer experiences. To be successful in this role, you should have: Undergraduate or equivalent degree, strong preference is for a degree in a numerical discipline. Subscribes to and can demonstrate Barclays Values and Mindset. Proficient IT skills and willingness to learn are essential. SQL and Python exposure is desirable. Strong communication skills, displaying an ability to communicate complex ideas to a diverse audience across all areas and grade. Some other highly valued skills may include: Demonstrable understanding of technology and/or business processes. Working knowledge of trade lifecycle management or any trade booking system will be preferred. Markets (Fixed Income/Treasury Product) background is desirable. Intellectual honesty and curiosity. An influencer and negotiator, able to understand the challenges facing Treasury and influence positive outcomes. You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as we'll as job-specific technical skills. The role is for Chennai. Purpose of the role To collaborate with Treasury Trading and Treasury functions to propose and define change plans and requirements. Product ownership and subject matter expertise of the technical application stacks used by the trading desk including quantitative and data analytics tools and platforms. Rapid prototyping of reporting and analyses to support data driven decision making. Accountabilities Technical and business process change business cases for Treasury and Finance MTPs and transformation, defining outcomes, benefits and participating in change lifecycle requirements like detailed business cases, business readiness plans and delivered risk assessments. Provision of governance and oversight of managed, consumed and BAU projects and book of work, translating high level requirements to development tasks, removing blockers to delivery and managing risks and serving as a liaison between business users and development team, diagnosing and delivery of resolution of trading platform issues and application errors, collaborating with IT teams to address complex technical breaks and ORACs. Quantitative and data analytics tools and techniques to extract insights from large datasets, identifying patterns, trends and anomalies that may indicate potential risks and errors, investigating and analysing data issues, work collaboratively with Quantitative Analyst and IT teams to address complex valuation problems. Identification, collection, extraction of data from various sources, including internal and external sources. Gather business requirements to define report content, develop prototype reports and on-board with IT teams for automated data acquisition, workflows and report generation processes providing improved efficiency and timeliness. Tactical implementation of resource management methodologies to assess the banks resilience under various economic shocks, evaluate the impact of market shocks and credit risk events on the banks funding profile, financial position and regulatory capital adequacy. Assistant Vice President Expectations To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions. Lead a team performing complex tasks, using we'll developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L Listen and be authentic, E Energise and inspire, A Align across the enterprise, D Develop others. OR for an individual contributor, they will lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes. Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues. Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda. Take ownership for managing risk and strengthening controls in relation to the work done. Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy. Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively. Communicate complex information. Complex information could include sensitive information or information that is difficult to communicate because of its content or its audience. Influence or convince stakeholders to achieve outcomes.

Job Summary Join our FinTech as SAP SAC Planning Analytics/BW Modeling Specialist. Lead deployment of SAP Cloud analytics and financial planning solutions for data-driven innovation. Expertise in SAC, BW/4HANA, Datasphere, and BDC preferred to streamline reporting, forecasting, and compliance. Job Description Essential Responsibilities "Architect, develop, and implement SAP SAC Planning applications to drive real-time financial modeling, forecasting, and analytics for payments, risk, and digital lending portfolios. Design and launch SAP BW and BW/4HANA models and reports that enable agile, regulatory-compliant financial analysis and reporting tailored to FinTech business needs Integrate SAP SAC, BW, and S/4HANA with emerging FinTech data sources, ensuring seamless cloud-based data pipelines for audits, transaction analytics, and customer insights. Automate high-volume data uploads using SAP BDC and other batch processing techniques, supporting the dynamic, large-scale data flows typical in FinTech environments. Champion SAP Cloud integration, leveraging tools such as SAP Cloud Connector, SAP Data Services, and SAP CPI for robust data ingestion from APIs and cloud platforms Collaborate with risk, compliance, and product teams to translate evolving financial regulations and business requirements into scalable analytics and planning solutions. Monitor, troubleshoot, and optimize data integrations and batch transmissions to ensure accuracy, speed, and adaptability for FinTech s rapid market cycles. Lead continuous improvement projects in partnership with IT, finance, and data science for agile reporting and planning enhancements. Conduct user training and create technical documentation with a focus on FinTech workflows and regulatory best practices. " Minimum Qualifications Minimum of 8 years of relevant work experience and a Bachelors degree or equivalent experience. Preferred Qualification Preferred Qualification Bachelor s or master s degree in computer science, Information Systems, Finance, or a related field. Over 8 years of hands-on experience in enterprise planning solutions, including 5+ years specializing in SAP Analytics Cloud (SAC) Planning and SAP BW/4HANA modeling and reporting. Proven expertise in SAP BPC implementation and optimization, with a strong track record in FinTech and high-growth financial services environments. Demonstrated expertise in SAC Planning (models, data actions, scripting, dashboarding) with a track record of supporting digital finance, payments, or risk analytics. Proven SAP BDC experience for automating complex, high-frequency batch data transfersexperience with transaction recordings and SAP data migration required. Deep SAP BW/BW4HANA modeling and optimization skills, ideally with real-world examples in digital finance or regulatory reporting contexts. Deep expertise in SAP-GCP integrations, including data pipelines, API connectivity, and cloud-native architecture for enterprise planning and reporting. Practical experience integrating SAP solutions with external FinTech platforms and APIs (e.g., payment processors, KYC/AML services). Familiarity with SAP Cloud integration tools (SAP Cloud Connector, Data Services, or CPI) and SAP Business Technology Platform (BTP). Strong understanding of digital finance process flowsregulatory reporting, payments, transaction monitoring, and risk management. Excellent communication and stakeholder engagement skills, especially when translating FinTech regulatory complexity into actionable SAP solutions. Previous client-facing experience and adaptability across decentralized, fast-paced teams is a strong plus." Subsidiary PayPal Travel Percent 0 Our Benefits Who We Are Belonging at PayPal

About The Role Kotak Mahindra Bank looking to hire Team Member-Credit Risk LocationBKC, Mumbai "¢ Credit Risk Analytics and Modelling Analyse, model, validate and document various measures of Credit Risk for use in Expected Credit Loss and Capital computations. Hands-on experience in building, implementing, documenting, monitoring, validating, refining models and scorecards in particular for PD, LGD, EAD and related Credit Risk metrics - using statistical methods and / or expert judgement based techniques In depth understanding of the underlying statistical techniques and functional insights that drive Credit Risk models and the experience of having used modelled output in computing Expected Credit Loss (ECL) under Ind AS or Credit Risk Capital under Internal Ratings based approaches, Economic Capital and having taken these measures through the scrutiny of auditors and regulators Derive insights from data and effectively communicate these insights to Risk, Credit and Business teams "¢ Preparing and submitting reports to the regulator and / or senior management on a periodic and adhoc basis. The job-holder will be responsible for computing and reporting ECL and related metrics on an on-going basis. "¢ Ability to work with (gather, consolidate, prepare, summarise) large data sets on a routine basis with an eye for detail and flair for numbers. Data cleansing and preparation for use in model building. "¢ Ensure reliability, integrity and consistency of reported and underlying data "¢ Build and manage a team of like-minded data analysts and modellers "¢ Between 8 and 12 years of experience in the areas of risk and data analytics particularly in the area of Credit Risk. Exposure to risk reporting or financial reporting would be an advantage. "¢ Degree in statistics or econometrics (or equivalent professional qualifications) with hands-on experience in statistical model development, implementation, validation and use is highly desirable "¢ Extensive experience and expertise in using any one or more among Python / SAS / R. Intermediate level SQL skills will be useful. "¢ Strong experience in areas like delinquency or loan loss forecasting, expected credit losses capital computation under advanced approaches. "¢ Experience in projects involving automation / data consolidation in the areas of risk or financial reporting would be an advantage

BIU: Business Intelligence Analyst-RL&P- Mortgages INTERNAL USAGE No of Vacancies Reports to Is a Team leader? Yes Team Size Grade Business BIU Department BIU Sub - Department BIU Location Mumbai/Bangalore About BIU Axis Bank s (BIU): This is a high profile team with a mandate to drive data based decisions within the bank Reporting in to Head Banking Operations and Transformation, this department works with all businesses of the Bank including retail, small business and corporate to drive analytics In terms of functions, the department has teams focused on all aspects of analytics for the bank including risk analytics, financial crime analytics, business and marketing analytics, building predictive scores, data engineering and business reporting About the Role The person would be a part of the Analytics team primarily focusing on Retail Lending & Payments The Analytics team is responsible for the end to end strategy, design/development, execution and performance synthesis The candidate will be responsible for the following in his/her job role: Develop product strategy, conduct portfolio analysis for Retail Liabilities, Insurance & Investment Products Create business insights by performing root cause analysis leveraging available quantitative/ statistical tools and techniques Generate insights from a variety of business initiatives and recommend actionable strategies to business stakeholders Work cross-functionally with Senior Leaders, technology, strategy and project management teams to identify growth opportunities and implement impactful projects Closely work with core business stakeholders on monitoring portfolio performance across products, developing take-up, customer engagement, digital activation & price optimization strategies for revenue growth Manage & work on tracking key business metrics to ensure that all KPIs ladder back up to business objectives Qualifications CA/CS/CFA or Advanced degree (Master s or above) in a quantitative subject such as Engineering, Mathematics, Operations Research, Statistics, Economics or Finance Role Proficiencies Skills Should have critical thinking to conceptualize the problem, draw insights and recommend logical strategies Preferably have experience on SAS or R or Bigdata or Python Should have strong data handling, interpretive and problem solving skills with the ability to process large volume of transaction level data and efficiently derive actionable results Should have a results oriented attitude with go get it done skill Should have Good project management skills while working with both internal and external partners Should have a high degree of motivation with a continuous thirst for learning Banking Analytics experience preferred but not mandatory for talented candidates

BIU: JD for Data Science Grade: Business: BIU Department: BIU Sub - Department: BIU Location: Mumbai/Bangalore About BIU Axis Bank s (Business Intelligence Unit): This is a high profile team with a mandate to drive data based decisions within the bank Reporting in to Head Banking Operations and Transformation, this department works with all businesses of the bank including retail, small business and corporate to drive analytics In terms of functions, the department has teams focused on all aspects of analytics for the bank including risk analytics, financial analytics, crime analytics, business and marketing analytics, building predictive scores, data engineering, business reporting and data governance roles About the Role Analytics is one of top focus areas for the bank and this position represents opportunity to be part of high growth teams driving innovation This role involves understanding of model building and reviewing Key Responsibilities The candidate will be responsible for the following in his/her job role: Co-own the business goals & lead problem solving, work in an agile manner with business partners, Risk-review committee members , data engineering and IT Work with a team of data scientists and help deliver on projects in a time bound fashion Innovate by adapting new modeling techniques and procedures Work in a self-directed environment, own tasks and drive them to completion Role Proficiencies: The candidate is required to have: Fluency in Python, SQL/SAS hands on relevant experience Experience in building models, with some years in building credit-Risk models Prior experience in BFSI domain a plus Should have good knowledge of advanced ML techniques (Logistic, XGboost, RF, ANNs, Ensembles) and understand the end to end deployment aspects Knowledge of dockers/containers, micro services is a plus Solid spoken and written communication skills Should have strong analytical thinking and be able to convince stakeholders on using data-based evidence Experience in modelling for BFSI domain preferred Having good exposure of various deployment platforms like FICO BLAZE, BDL, ORACLE etc Strong track record in solving analytical problems using quantitative and statistical approaches Ability to manipulate and analyse complex, high- volume, high- dimension data from varying sources Technical competence in tools such as Python and/or SAS a plus

BIU: Business Analyst-RD- Products & Portfolio INTERNAL USAGE No of Vacancies Reports to Is a Team leader? Team Size Grade Business BIU Department BIU Sub - Department BIU Location Mumbai/Bangalore About BIU Axis Bank s (BIU): This is a high profile team with a mandate to drive data based decisions within the bank Reporting in to Head Banking Operations and Transformation, this department works with all businesses of the Bank including retail, small business and corporate to drive analytics In terms of functions, the department has teams focused on all aspects of analytics for the bank including risk analytics, financial crime analytics, business and marketing analytics, building predictive scores, data engineering and business reporting About the Role The person would be a part of the Analytics team primarily focusing on Retail Deposits The Analytics team is responsible for the end to end strategy, design/development, execution and performance synthesis The candidate will be responsible for the following in his/her job role: Develop product strategy, conduct portfolio analysis for Retail Deposits Create business insights by performing root cause analysis leveraging available quantitative/ statistical tools and techniques Generate insights from a variety of business initiatives and recommend actionable strategies to business stakeholders Work cross-functionally with Senior Leaders, technology, strategy and project management teams to identify growth opportunities and implement impactful projects Closely work with core business stakeholders on monitoring portfolio performance across products, developing take-up, customer engagement, digital activation & price optimization strategies for revenue growth Manage & work on tracking key business metrics to ensure that all KPIs ladder back up to business objectives Qualifications CA/CS/CFA or Advanced degree (Master s or above) in a quantitative subject such as Engineering, Mathematics, Operations Research, Statistics, Economics or Finance Role Proficiencies Skills Should have critical thinking to conceptualize the problem, draw insights and recommend logical strategies Preferably have experience on SAS or R or Bigdata or Python Should have strong data handling, interpretive and problem solving skills with the ability to process large volume of transaction level data and efficiently derive actionable results Should have a results oriented attitude with go get it done skill Should have Good project management skills while working with both internal and external partners Should have a high degree of motivation with a continuous thirst for learning Banking Analytics experience preferred but not mandatory for talented candidates

Job Purpose This position is open with Bajaj Finance ltd. Risk Management is core to Bajaj Finance. Most of the decisions in Risk Management are data driven and ECL framework involves implementation of regulatory guidelines. Credit Loss calculation is an integral part of the Risk- Expected Credit loss framework. The team looks at multi-variate dimensions from a risk perspective for calculating the expected credit loss, scenario analysis, forecasting etc. The Risk -ECL team assesses parameters like PD (probability of default), EAD and LGD which are critical from a regulatory perspective and forms important aspect of regulatory reporting purpose. Expected credit loss being an important part of the Balance sheet management, this role gives an opportunity of going beyond the above and gives deeper insights on the Regulatory norms on Loss, Credit Risk, involves reconciliation of data and ensuring that the loss calculation is correct as per the financial accounting and regulatory norms. Duties and Responsibilities 3. PRINCIPAL ACCOUNTABILITIES (Accountabilities associated with the job) Monthly review and assessment of the ECL & INDAS loss numbers Run Control checks on the ECL output basis INDAS framework & RBI norms Build loss reconciliation framework Performing checks on the data consistency and parameters as per the management accounting and ECL norms Provide insights on Trial Balance and ensuring that data flowing for loss calculation is as per the statutory accounting practices. Loss forecast methodology design and execution. (includes Mapping of business and products). Understanding and implementation of policies such as Write-off policy/ ECL policy etc Support any adhoc deep dive data analysis on portfolio metrices Support in Data analysis and segmentations. Ongoing liaising with Finance, IT, Credit and BIU teams to ensure all policies, processes, data flow are working efficiently, and all required changes are build and implemented suitably 4. MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) -Updated on adopted internal accounting procedures -Updated on IND-AS accounting framework -Incorporate the regulatory changes, as and when announced -Liasing with Finance, IT and other teams to get models implemented in the systems 5. DECISIONS (Key decisions taken by job holder at his/her end) -Mapping of Business/products used for loss forecasting -Business interpretation of statistical models -Advising on accounting/regulatory changes which impact loss calculation. 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Portfolio Risk Managers, Finance team, Information Technology (IT), Portfolio Business heads, Chief Risk Officer, Risk Analytics Head. Required Qualifications and Experience SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications Qualifications CA with 5-7 years in Finance/Accounting/Credit Risk Knowledge in SQL would be an advantage Work Experience 5-7 years relevant experience in Balance sheet management with specific focus on loss computation, regulatory framework implementation and compliance. Knowledge of Capital and Provisioning framework and computation. Strong MS-Office skills Experience in handling huge data and the ability to do root cause analysis. Individual contributor with the capability to deliver projects within timeline Effective verbal and written communication skills

Job Purpose This position is open with Bajaj Finance ltd. Risk Management is core to Bajaj Finance. Most of the decisions in Risk Management are policy based, data driven and analytical. Position involves managing monthly update of product policies for BFL business and ensuring maintenance of policy database on the product program portal. Engaging with risk spocs and relevant stakeholders to ensure policy documents updates and SMT signoff is completed within timelines. Also work cross-functionally into areas such as data reconciliation, financial analysis etc. Engaging with IT team to continuously upgrade to product program portal to improve user experience. Assist in horizontal risk projects. Duties and Responsibilities ORGANISATIONAL CHART (First level reporting chart for the job. Sample chart below) 3. PRINCIPAL ACCOUNTABILITIES (Accountabilities associated with the job) Track and ensure the policy documents for all the BFL businesses are updated monthly. Ensure the updated policy document is uploaded on the product program portal and signoff is obtained from all stakeholders across departments including but not limited to Business, IT, Credit Operations, Underwriting, Collections, Finance, Legal & Compliance. Undertaking additional activities such as data reconciliation, business planning etc Publish monthly reports and dashboards to SMT. Act as a central contact between risk and IT teams for resolution of issues being faced in the usage of product program portal. Engage with IT team for implementation of new functionalities to improve user experience for the product program portal. Conduct discussions, raise user stories, perform UAT and deliver implementation of new functionalities within TAT in co-ordination with IT team. Prepare presentations for SMT reviews. Coordination within internal/external team to close all actionable items. Any other risk activity as warranted. 4. MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) -Ensuring Sign-offs from stakeholders -Liasing with IT and other teams for implementing functionalities 5.DECISIONS (Key decisions taken by job holder at his/her end) -Updates on Product Program Portal -Ideation to make the portal interactive and user friendly 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Portfolio Risk Managers, Information Technology (IT), Portfolio Business heads, Chief Risk Officer, Risk Analytics Head. External Clients Roles you might need to interact with outside the organization to enable success in your day to day work NA 7. DIMENSIONS (Key numerical data which will reflect the scope and scale of activities concerning this job) Financial Dimensions (These should be quantifiable numerical amounts) NA Other Dimensions (Significant volume dimensions associated with the job) Individual contributor Required Qualifications and Experience SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications Qualifications CA/MBA Finance / Postgraduate with 1-5 years in Finance/Regulation/Compliance Work Experience Experience in Risk assessment / operations function of lending business. Deep understanding of Data, loss calculation, business planning etc 4-5 years of overall experience. Should have experience in handling inter department projects. Excellent Communication and Interpersonal Skills. Experience in data analysis and report drafting. Excellent Excel & Power Point proficiency, MS-Office Positive attitude and team player. Experience of establishing and maintaining relationships with business units / managers for managing day-to-day business.

Job Purpose This position is open with Bajaj Finance ltd. Risk Management is core to Bajaj Finance. Most of the decisions in Risk Management are data driven and ECL framework involves implementation of regulatory guidelines. Credit Loss calculation is an integral part of the Risk- Expected Credit loss framework. The team looks at multi-variate dimensions from a risk perspective for calculating the expected credit loss, scenario analysis, forecasting etc. The Risk -ECL team assesses parameters like PD (probability of default), EAD and LGD which are critical from a regulatory perspective and forms important aspect of regulatory reporting purpose. Expected credit loss being an important part of the Balance sheet management, this role gives an opportunity of going beyond the above and gives deeper insights on the Regulatory norms on Loss, Credit Risk, involves reconciliation of data and ensuring that the loss calculation is correct as per the financial accounting and regulatory norms. Duties and Responsibilities 3. PRINCIPAL ACCOUNTABILITIES (Accountabilities associated with the job) Monthly review and assessment of the ECL & INDAS loss numbers Run Control checks on the ECL output basis INDAS framework & RBI norms Build loss reconciliation framework Performing checks on the data consistency and parameters as per the management accounting and ECL norms Provide insights on Trial Balance and ensuring that data flowing for loss calculation is as per the statutory accounting practices. Loss forecast methodology design and execution. (includes Mapping of business and products). Understanding and implementation of policies such as Write-off policy/ ECL policy etc Support any adhoc deep dive data analysis on portfolio metrices Support in Data analysis and segmentations. Ongoing liaising with Finance, IT, Credit and BIU teams to ensure all policies, processes, data flow are working efficiently, and all required changes are build and implemented suitably 4. MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) -Updated on adopted internal accounting procedures -Updated on IND-AS accounting framework -Incorporate the regulatory changes, as and when announced -Liasing with Finance, IT and other teams to get models implemented in the systems 5. DECISIONS (Key decisions taken by job holder at his/her end) -Mapping of Business/products used for loss forecasting -Business interpretation of statistical models -Advising on accounting/regulatory changes which impact loss calculation. 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Portfolio Risk Managers, Finance team, Information Technology (IT), Portfolio Business heads, Chief Risk Officer, Risk Analytics Head. Required Qualifications and Experience SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications Qualifications CA with 5-7 years in Finance/Accounting/Credit Risk Knowledge in SQL would be an advantage Work Experience 5-7 years relevant experience in Balance sheet management with specific focus on loss computation, regulatory framework implementation and compliance. Knowledge of Capital and Provisioning framework and computation. Strong MS-Office skills Experience in handling huge data and the ability to do root cause analysis. Individual contributor with the capability to deliver projects within timeline Effective verbal and written communication skills

Job Purpose This position is open with Bajaj Finance Ltd. Duties and Responsibilities Responsible for Policy Drafting, Existing policy changes and implementation of Policy rules on System Responsible for Portfolio Management for Loan portfolio according to annual operating plans and Risk KPIs Responsible to developing new program / DOEs which are relevant for Digital loan process. Responsible for AOP delivery on various risk KPIs Working closely with the Tech team to completely coding of Risk Policy through Rule Engine on BFDL lending platform. Responsible for getting UAT testing of risk rules coded & sign off. Ensuring that the Rule Engine in the BFDL Loan Platform is working as coded and Error Rate is Nil. Responsible for Risk Masters maintenance that are linked with the Loan Platform Ensure timely completion of COPRs including appropriate action plans to address identified control gaps Ensure issues/action plans arising from COPRs, risk events, Internal Audits, regulatory inspections or other risk issues are properly followed up Required Qualifications and Experience Experience of working in the Unsecured Loan domain in Risk / Risk Analytics functions. Understanding on usage of alternate data for unsecured lending Good analytical ability and eye for detail. Ability to work with large data sets with good computing skills Excellent communication skills and presentation skills Good inter-personal & team management skills Overall experience of 10+ years of which preferably at-least 6 year in the Unsecured Loan domain. Should be professionally qualified MBA / B. Tech / CA

Roles and Responsibilities Develop credit risk models using SAS, SQL, and statistical modeling techniques to predict defaults, losses, and other credit-related metrics. Collaborate with cross-functional teams to design and implement effective credit risk strategies that meet business objectives. Conduct stress testing and scenario analysis to identify potential risks and opportunities for growth. Provide data insights and recommendations to stakeholders on loss forecasting, scorecards, and portfolio performance. Desired Candidate Profile 2+ years of experience in Credit Risk Modelling/Analytics or related field. Strong expertise in Basel II/III regulations, CECL/CCAR requirements under IFRS9 framework. Proficiency in programming languages such as Python/R/SAS; strong understanding of machine learning algorithms an added advantage.

Roles and Responsibilities Develop credit risk models using SAS, SQL, and statistical modeling techniques to predict defaults, losses, and other credit-related metrics. Collaborate with cross-functional teams to design and implement effective credit risk strategies that meet business objectives. Conduct stress testing and scenario analysis to identify potential risks and opportunities for growth. Provide data insights and recommendations to stakeholders on loss forecasting, scorecards, and portfolio performance. Desired Candidate Profile 2+ years of experience in Credit Risk Modelling/Analytics or related field. Strong expertise in Basel II/III regulations, CECL/CCAR requirements under IFRS9 framework. Proficiency in programming languages such as Python/R/SAS; strong understanding of machine learning algorithms an added advantage.

Salary: 20 to 35 LPA Exp: 3 to 10 years Location: Bangalore/Gurgaon/Pune Notice : immediate to 30 days..!! Role and Responsibilities: Credit Risk /Fraud Risk Strategy: Role Details: The role is expected to use analytical tools to identify opportunities to grow overall assets as well as manage risk. It involves managing risk management framework across customer lifecycle acquisition, portfolio management and collections, across retail lending products. Responsibilities : - Design, analyze, monitor credit risk strategies for different loan products such as personal loans, auto loans, etc. - Identify the opportunity areas for portfolio growth and pro-actively communicate with stakeholders - Collaborate across other risk functions (example technology, product, etc.) to implement the analytical decisions - Understand existing underwriting rules, strategies and replicate them in business rules using SAS/SQL - Design and analyze income, employment, fraud verification strategies - Develop, maintain and improve risk policies, strategies, processes and procedures within the assigned function - Utilize application, bank and bureau information to derive business insights - KPI generation, tracking of risk and delinquency metrics for portfolios using SQL/Tableau

About The Role Project Role : Business Analyst Project Role Description : Analyze an organization and design its processes and systems, assessing the business model and its integration with technology. Assess current state, identify customer requirements, and define the future state and/or business solution. Research, gather and synthesize information. Must have skills : Charles River Order & Execution Management OEMS Trading Good to have skills : Charles River Middle Office, Charles River Portfolio Management & Risk Analytics, Charles River Data and Position Management Minimum 5 year(s) of experience is required Educational Qualification : 15 years full time education Summary :As a Business Analyst, you will analyze an organization and design its processes and systems, assessing the business model and its integration with technology. You will assess the current state, identify customer requirements, and define the future state and/or business solution. Your role will involve researching, gathering, and synthesizing information to drive effective decision-making and improve business performance. Roles & Responsibilities:- Managed user groups, profiles and access to different modules.- Create and manage CRD workflows for each business group.- Understanding business requirements and mapping them to system requirements specifications.- Project status tracking, resource allocation and management.- Conducting process and system studies and coordinating with team members for System Design & Integration.- Delivering and implementing project as scheduled and ensuring compliance to quality standards. Designing the entities and performing coding, data verification etc.- Preparing TSD and assisting UAT, SFR resolution & Production Release. Professional & Technical Skills: - Must To Have Skills: Proficiency in Charles River Order & Execution Management (OEMS) Trading.- Good To Have Skills: Experience with Charles River Middle Office, Charles River Portfolio Management & Risk Analytics, Charles River Data and Position Management.- Strong understanding of financial markets and trading operations.- Knowledge of investment management systems and processes.- Experience in conducting business process analysis and improvement.- Excellent analytical and problem-solving skills.- Strong communication and stakeholder management abilities.- Ability to work effectively in a team environment. Additional Information:- The candidate should have a minimum of 9 years of experience in Charles River Order & Execution Management (OEMS) Trading.- This position is based at our Mumbai office.- A 15 years full time education is required. Qualification 15 years full time education

About The Role Project Role : Business Analyst Project Role Description : Analyze an organization and design its processes and systems, assessing the business model and its integration with technology. Assess current state, identify customer requirements, and define the future state and/or business solution. Research, gather and synthesize information. Must have skills : Charles River Order & Execution Management OEMS Trading Good to have skills : Charles River Portfolio Management & Risk Analytics, Charles River Middle Office, Charles River Data and Position Management Minimum 3 year(s) of experience is required Educational Qualification : 15 years full time education Summary :As a Business Analyst, you will analyze an organization and design its processes and systems, assessing the business model and its integration with technology. You will assess the current state, identify customer requirements, and define the future state and/or business solution. Your role will involve researching, gathering, and synthesizing information to drive effective decision-making and improve business performance. Roles & Responsibilities:- Managed user groups, profiles and access to different modules.- Create and manage CRD workflows for each business group.- Understanding business requirements and mapping them to system requirements specifications.- Project status tracking, resource allocation and management.- Conducting process and system studies and coordinating with team members for System Design & Integration.- Delivering and implementing project as scheduled and ensuring compliance to quality standards. Designing the entities and performing coding, data verification etc.- Preparing TSD and assisting UAT, SFR resolution & Production Release. Professional & Technical Skills: - Must To Have Skills: Proficiency in Charles River Order & Execution Management OEMS Trading.- Good To Have Skills: Experience with Charles River Portfolio Management & Risk Analytics, Charles River Middle Office, Charles River Data and Position Management.- Strong understanding of investment management processes and workflows.- Knowledge of financial instruments such as equities, fixed income, derivatives, and foreign exchange.- Experience with data analysis and visualization tools such as SQL, Python, and Tableau.- Ability to analyze complex business problems and provide strategic recommendations.- Excellent communication and interpersonal skills to effectively collaborate with stakeholders.- Strong analytical and problem-solving abilities to drive data-driven decision-making. Additional Information:- The candidate should have a minimum of 3 years of experience in Charles River Order & Execution Management OEMS Trading.- This position is based at our Mumbai office.- A 15 years full time education is required. Qualification 15 years full time education

About The Role Project Role : Quality Engineer (Tester) Project Role Description : Enables full stack solutions through multi-disciplinary team planning and ecosystem integration to accelerate delivery and drive quality across the application lifecycle. Performs continuous testing for security, API, and regression suite. Creates automation strategy, automated scripts and supports data and environment configuration. Participates in code reviews, monitors, and reports defects to support continuous improvement activities for the end-to-end testing process. Must have skills : Charles River Order & Execution Management OEMS Trading Good to have skills : Charles River Portfolio Management & Risk Analytics, Charles River Data and Position Management, Charles River Middle Office Minimum 5 year(s) of experience is required Educational Qualification : 15 years full time education Summary :As a Quality Engineer (Tester), you will enable full stack solutions through multi-disciplinary team planning and ecosystem integration to accelerate delivery and drive quality across the application lifecycle. Your typical day will involve performing continuous testing for security, API, and regression suite. You will create automation strategy, automated scripts, and support data and environment configuration. Additionally, you will participate in code reviews, monitor, and report defects to support continuous improvement activities for the end-to-end testing process. Roles & Responsibilities:- Experience in Investment Banking/Capital Markets/Wealth and Asset Management with hands-on Functional.- Experience working on the capital instrument (equities management funds model) portfolio management, trade life cycle, client onboarding, retirement goal planning, trade reconciliation asset aggregation able to write and execute the test cases for functional testing.- Agile methodology experience.- Experience in SQL and relational database.- Execute and manage various levels of testing - Functional (IST, UAT), Regression and End to End testing.- Independently identify the test data requirements and execute test cases.- Defect Management Articulation of defects in detailed manner and monitor resolution efforts and track successes.- Participate in Requirements/User story grooming, defect triage and stakeholder demos.- Experience working as part of larger QA team, working very closely with QA lead and program team.- Involved in peer-review of the test cases, sanity and smoke testing and User acceptance testing.- Hands on experience on test management tools like Jira. Professional & Technical Skills: - Must To Have Skills: Proficiency in Charles River Order & Execution Management OEMS Trading.- Good To Have Skills: Experience with Charles River Portfolio Management & Risk Analytics, Charles River Data and Position Management, Charles River Middle Office.- Strong understanding of test automation frameworks and methodologies.- Experience in designing and implementing test automation scripts.- Knowledge of software testing principles and methodologies.- Familiarity with defect tracking and test management tools. Additional Information:- The candidate should have a minimum of 5 years of experience in Charles River Order & Execution Management OEMS Trading.- This position is based at our Mumbai office.- A 15 years full time education is required. Qualification 15 years full time education

About The Role Project Role : Test Automation Lead Project Role Description : Lead the transformation of testing into a continuous and efficient end-to-end quality engineering function through the use of quality processes, tools, and methodologies significantly improving control, accuracy and integrity. Evolve more predictive and intelligent testing approaches based on automation and innovative testing products and solutions. Must have skills : Charles River Order & Execution Management OEMS Trading Good to have skills : Charles River Middle Office, Charles River Data and Position Management, Charles River Portfolio Management & Risk Analytics Minimum 5 year(s) of experience is required Educational Qualification : 15 years full time education Summary :As a Test Automation Lead, you will lead the transformation of testing into a continuous and efficient end-to-end quality engineering function through the use of quality processes, tools, and methodologies significantly improving control, accuracy, and integrity. You will evolve more predictive and intelligent testing approaches based on automation and innovative testing products and solutions. Your typical day will involve overseeing the testing process, collaborating with the team, and implementing automation strategies to enhance the quality of our products and solutions. Roles & Responsibilities:- Experience in Investment Banking/Capital Markets/Wealth and Asset Management with hands-on Functional.- Experience working on the capital instrument (equities management funds model) portfolio management, trade life cycle, client onboarding, retirement goal planning, trade reconciliation asset aggregation able to write and execute the test cases for functional testing.- Agile methodology experience.- Experience in SQL and relational database.- Execute and manage various levels of testing - Functional (IST, UAT), Regression and End to End testing.- Independently identify the test data requirements and execute test cases.- Defect Management Articulation of defects in detailed manner and monitor resolution efforts and track successes.- Participate in Requirements/User story grooming, defect triage and stakeholder demos.- Experience working as part of larger QA team, working very closely with QA lead and program team.- Involved in peer-review of the test cases, sanity and smoke testing and User acceptance testing.- Hands on experience on test management tools like Jira. Professional & Technical Skills: - Must To Have Skills: Proficiency in Charles River Order & Execution Management OEMS Trading, Charles River Middle Office, Charles River Data and Position Management, Charles River Portfolio Management & Risk Analytics.- Good To Have Skills: Experience with Charles River Middle Office, Charles River Data and Position Management, Charles River Portfolio Management & Risk Analytics.- Strong understanding of test automation frameworks and tools.- Experience in designing and implementing automated test scripts.- Knowledge of software testing methodologies and best practices.- Familiarity with Agile development methodologies.- Excellent problem-solving and troubleshooting skills.- Strong communication and collaboration abilities. Additional Information:- The candidate should have a minimum of 5 years of experience in Charles River Order & Execution Management OEMS Trading.- This position is based at our Mumbai office.- A 15 years full-time education is required. Qualification 15 years full time education

About The Role Project Role : Quality Engineer (Tester) Project Role Description : Enables full stack solutions through multi-disciplinary team planning and ecosystem integration to accelerate delivery and drive quality across the application lifecycle. Performs continuous testing for security, API, and regression suite. Creates automation strategy, automated scripts and supports data and environment configuration. Participates in code reviews, monitors, and reports defects to support continuous improvement activities for the end-to-end testing process. Must have skills : Charles River Order & Execution Management OEMS Trading Good to have skills : Charles River Portfolio Management & Risk Analytics, Charles River Data and Position Management, Charles River Middle Office Minimum 3 year(s) of experience is required Educational Qualification : 15 years full time education Summary :As a Quality Engineer (Tester), you will enable full stack solutions through multi-disciplinary team planning and ecosystem integration to accelerate delivery and drive quality across the application lifecycle. Your typical day will involve performing continuous testing for security, API, and regression suite. You will create automation strategy, automated scripts, and support data and environment configuration. Additionally, you will participate in code reviews, monitor, and report defects to support continuous improvement activities for the end-to-end testing process. Roles & Responsibilities:- Experience in Investment Banking/Capital Markets/Wealth and Asset Management with hands-on Functional.- Experience working on the capital instrument (equities management funds model) portfolio management, trade life cycle, client onboarding, retirement goal planning, trade reconciliation asset aggregation able to write and execute the test cases for functional testing.- Agile methodology experience.- Experience in SQL and relational database.- Execute and manage various levels of testing - Functional (IST, UAT), Regression and End to End testing.- Independently identify the test data requirements and execute test cases.- Defect Management Articulation of defects in detailed manner and monitor resolution efforts and track successes.- Participate in Requirements/User story grooming, defect triage and stakeholder demos.- Experience working as part of larger QA team, working very closely with QA lead and program team.- Involved in peer-review of the test cases, sanity and smoke testing and User acceptance testing.- Hands on experience on test management tools like Jira.- Good to Have:Charles River Certification. Professional & Technical Skills: - Must To Have Skills: Proficiency in Charles River Order & Execution Management OEMS Trading.- Good To Have Skills: Experience with Charles River Portfolio Management & Risk Analytics, Charles River Data and Position Management, Charles River Middle Office.- Strong understanding of software testing methodologies and techniques.- Experience with test automation tools such as Selenium or Cucumber.- Knowledge of SQL and database testing.- Familiarity with Agile development methodologies.- Excellent problem-solving and analytical skills.- Ability to work collaboratively in a team environment. Additional Information:- The candidate should have a minimum of 3 years of experience in Charles River Order & Execution Management OEMS Trading.- This position is based at our Mumbai office.- A 15 years full time education is required. Qualification 15 years full time education

Who we are About the role: We are seeking a Senior Risk and Data Analyst AI & Analytics to join our Internal Audit & Risk Governance team based in Bengaluru. This role is ideal for an individual with 5 to 6 years of experience in audit, risk management, and data analytics, with a strong command of data-driven insights and operational process evaluation. The ideal candidate brings a combination of strong technical data skills, risk acumen, and a proactive mindset. You will play a key role in supporting Enterprise Risk Management in building out Samsara s global ERM program, strengthening board-level risk reporting, and embedding dynamic risk intelligence across governance processes. You will also support Samsara s internal audit, SOX compliance, and operational review programs by leveraging data analytics to drive deeper risk insights, improve audit coverage, and enhance decision-making. This is a hybrid position requiring 2 days per week in our Bangalore office and 3 days working remotely. This position requires working hours in IST time zone. You should apply if: You want to impact the industries that run our world: Your efforts will result in real-world impact helping to keep the lights on, get food into grocery stores, reduce emissions, and most importantly, ensure workers return home safely. You are the architect of your own career: If you put in the work, this role won t be your last at Samsara. We set up our employees for success and have built a culture that encourages rapid career development, countless opportunities to experiment and master your craft in a hyper growth environment. You re energized by our opportunity: The vision we have to digitize large sectors of the global economy requires your full focus and best efforts to bring forth creative, ambitious ideas for our customers. You want to be with the best: At Samsara, we win together, celebrate together and support each other. You will be surrounded by a high-calibre team that will encourage you to do your best. In this role, you will: Build relationships across the business, including risk, compliance, and BizTech (IT & Security) teams, to understand key risks, financial/business controls, and control gap areas to inform IA s audit plan. Partner with ERM to design and deliver risk dashboards, heatmaps, and forward-looking analytics. Contribute to the buildout of continuous risk monitoring and early-warning indicators across financial, operational, compliance, and strategic risk domains. Collaborate with Internal Audit (IA) leadership to define and execute a data analytics strategy that enhances audit engagements, risk assessments, department metrics, board reporting, and other initiatives. Drive end-to-end delivery of data-driven internal audit projects from scope definition through data acquisition, analysis, communication to key stakeholders, and formal reporting. Support the development and maturity of the enterprise risk management program by designing and implementing data-enabled processes for risk identification, assessment, and monitoring. Integrate analytics into SOX and operational audits to enhance control testing, issue analysis, and root cause evaluation. Apply advanced analytics and selectively use AI/LLM tools to enhance anomaly detection, predictive risk insights, and efficiency in testing and monitoring. Experiment with practical AI applications in governance reporting and risk dashboards, ensuring outputs remain business-relevant and actionable for leadership. Maintain and enhance internal data models, risk scoring frameworks, and dynamic dashboards using tools such as Tableau or Power BI. Champion Samsara s cultural principles Focus on Customer Success, Build for the Long Term, Adopt a Growth Mindset, Be Inclusive, and Win as a Team while advancing data and risk analytics capabilities. Minimum requirements for the role: 5 6 years of experience in risk advisory, internal audit, or governance functions with demonstrated ability to apply data and analytics in these contexts. Practical experience with risk assessment, prioritization, and mitigation processes. Ability to update, and maintain enterprise risk registers, heatmaps, and risk dashboards. Familiarity with risk frameworks such as COSO ERM, ISO 31000, and NIST RMF, and experience applying them in business settings. Experience developing and monitoring key risk indicators (KRIs) and early-warning metrics. Hands-on exposure to GRC platforms (e.g., Diligent, Archer, MetricStream, ServiceNow). Ability to align risk and compliance activities with governance structures and strategic objectives. Understanding of third-party/vendor risk management processes. Demonstrated ability to translate complex data into clear, actionable insights for executive-level decision making and board reporting Working knowledge or experience in extraction and exploratory analysis of data from a range of data sources, leveraging data analysis and data visualization tools and techniques (e.g., Tableau, SQL, IDEA, Power BI, Python). Experience applying analytics and emerging AI/ML techniques in risk, audit, or compliance contexts (e.g., anomaly detection, predictive scoring, or automated reporting). Strong verbal and written communication skills, with the ability to effectively communicate risk and data insights to senior executives. Strong project management skills with the ability to juggle multiple work efforts, be agile, and adapt quickly to changing needs An ideal candidate also has: A bachelor s degree or equivalent experience in Accounting, Finance, Business, Risk Management, Economics, or Management Information Systems. Demonstrated curiosity and practical experience applying AI/LLM tools in risk intelligence - such as dynamic reporting, predictive analytics, or continuous monitoring - while ensuring interpretability for executives. Proven ability to scale AI-enabled insights into governance processes without over-engineering solutions. Track record of building or maturing risk analytics programs within a corporate or consulting environment. Professional certifications such as Certified Internal Auditor (CIA), Certified Information Systems Auditor (CISA), or Certification in Risk Management Assurance (CRMA) that reinforce technical credibility.

Risk Risk Analytics Team INTERNAL USAGE No. of Vacancies Reports to Is a Team leader Y/N Team Size Grade M - SM Business Corporate Center Department Risk Sub - Department - Location CO About Risk The Risk department ensures that the Bank s risk is managed through a risk management architecture as well as through policies and processes approved by the Board of Directors encompassing independent identification, measurement and management of risks across the various businesses of the Bank. The Risk department of the Bank strives to proactively anticipate vulnerabilities at the transaction as well as at the portfolio level, through quantitative or qualitative examination of the embedded risks About the Role The Risk Analytics team is responsible for the estimation of risk parameters (PD, LGD & CCF) for internal & regulatory purpose, Ind AS ECL implementation and execution. They are also responsible for identifying and tracking key risk indicators and early warning signals and conducting regular stress testing, economic capital and ICAAP, tracking model performance, suggesting improvements and implementing approved changes Key Responsibilities Responsible for tracking portfolio trends and hot spots Responsible for tracking early warning signals, root-cause analysis, covering Business Segments, Sector and Groups Provide timely and actionable insights to the top management and business heads Provide key risk inputs to the capital computation process Track RAROC for customer, product, portfolio (segment, industry) Estimation and validation of IRB (Capital Computation Approach) Manage IRB Capital run and reporting process. Responsible for the development of Credit Risk models and revamp of new models -------- Qualifications Post graduate with specialization in Quant and statistics viz. Masters in statistics, MBA, M Tech with relevant risk analytical exposure (Risk, Collections and Fraud) Hands on experience in Advanced & Predictive analytics, Decision Tree, Segmentation analysis and Cluster analysis using analytical and statistical procedures Role Proficiencies Should have strong analytical & problem solving skill Should have strong working knowledge of SAS, R, Python and data mining tools Be able to influence stakeholders on data driven strategies Should have good communication, presentation and inter-personal skills Should have high level of motivation and be a fast learner

At EY, you'll have the chance to build a career as unique as you are, with the global scale, support, inclusive culture, and technology to become the best version of you. And we're counting on your unique voice and perspective to help EY become even better, too. Join us and build an exceptional experience for yourself and a better working world for all. Risk Consulting MENA FS Risk Credit Risk - Manager At EY, you'll have the chance to build a career as unique as you are, with the global scale, support, inclusive culture, and technology to become the best version of you. And we're counting on your unique voice and perspective to help EY become even better, too. Join us and build an exceptional experience for yourself and a better working world for all. Divisional Overview EY GDS Risk Consulting is a unique, industry-focused business unit that provides a broad range of integrated services that leverage deep industry experience with strong functional capability and product knowledge. EY's MENA Financial Services Risk Management (FSRM) team, part of the EY GDS Risk Consulting Practice, delivers tailored risk solutions to help clients identify, assess, manage, and monitor a range of financial and regulatory risks. These include market (trading book), credit (banking book), operational, and regulatory risks arising from trading, asset-liability management, capital management, and broader capital markets activities. The division is ideal for collaborative individuals who have strong ethics and attention to detail. Within FSRM, the Credit Risk (CR) team focuses on supporting clients ranging from large domestic banks to global financial institutions in implementing strategic, functional, and regulatory transformations across credit risk management within their banking book portfolios. You will work within different-sized, multi-disciplinary teams and play a key role in ensuring high-quality outputs and service to our clients. The role involves developing knowledge and implementing new solutions to meet the ever-changing needs of our clients. We value intellectual curiosity and a passion for promoting solutions across organizational boundaries. Key Responsibilities - Lead a team of 5-6 Senior consultants, analysts for engagement execution and delivery. You will also spend teaming up with industry professionals to develop and deliver a wide range of risk management strategies and solutions. - Showcase exceptional project management abilities and foster a collaborative environment and accountability among team members on engagements. - Demonstrate deep technical expertise and industry knowledge, particularly in financial products with a focus on lending solutions. - Design, assessment, and benchmarking of financial risk management policies, frameworks, methodologies covering a range of risk domains such as credit risk, market risk, operational risk, liquidity risk, climate risk, and integrated risk topics viz., capital adequacy and stress testing measurement methodologies in financial institutions (FI). - Stay abreast of market trends and challenges in the financial services sector to understand client needs and industry dynamics. - Understand EY and its service lines and actively assess what the firm can deliver to serve clients. - Monitor project progress, manage risks, and effectively communicate status, issues, and priorities to key stakeholders to ensure successful outcomes. - Review, analyze, and validate the work completed by junior team members to ensure accuracy and quality. - Adapt to projects involving model audits, validation, and development, demonstrating flexibility and domain knowledge. Qualifications, Certifications, and Education Must-have: - Graduate or Masters degree in a technical or quantitative discipline such as Engineering, Mathematics, Statistics, Physics, or equivalent with a minimum of 6 years of relevant experience. - Excellent analytical and problem-solving expertise. - Solid foundation in statistics and econometrics. - In-depth knowledge of Credit risk model development, validation, audit and/or implementation of the banking book portfolio. - Solid understanding of Risk analytics methodologies. - Advanced technical skills, with proficiency in Python, SAS, SQL, R, and Excel. - Excellent Oral and written communication and presentation skills. - Strong documentation skills, with the ability to quickly grasp complex concepts and present them clearly in documents or presentations. - Strong multitasking skills with demonstrated ability to manage expectations and deliver high-quality results under tight deadlines and minimal supervision. Preferred: - Professional certifications such as FRM, CFA, PRM, or SCR. - Knowledge of regulatory modeling (BASEL, CCAR, IFRS9) is preferred. - Exposure to regulatory stress testing processes around credit risk & ICAAP. - Experience in climatic risk space preferably in the areas of stress testing/scenario designing. - Exposure to Interest Rate Risk in Banking Book (IRRBB). - Experience in data/business intelligence (BI) reporting. - Familiarity with machine learning models and their practical applications. - Prior project management experience. - Willingness to travel for client engagements. What working at EY offers As a global leader in assurance, tax, transaction, and consulting services, we're using the finance products, expertise, and systems we've developed to build a better working world. That starts with a culture that believes in giving you the training, opportunities, and creative freedom to make things better. At EY, we're dedicated to helping our clients, from startups to Fortune 500 companies and the work we do with them is as varied as they are. You get to work with inspiring and meaningful projects. Our focus is education and coaching alongside practical experience to ensure your personal development. We value our employees, and you will be able to control your development with an individual progression plan. You will quickly grow into a responsible role with challenging and stimulating assignments. Moreover, you will be part of an interdisciplinary environment that emphasizes high quality and knowledge exchange. Plus, we offer: - Support, coaching, and feedback from some of the most engaging colleagues around. - Opportunities to develop new skills and progress your career. - The freedom and flexibility to handle your role in a way that's right for you. EY | Building a better working world EY exists to build a better working world, helping to create long-term value for clients, people, and society and build trust in the capital markets. Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform, and operate. Working across assurance, consulting, law, strategy, tax, and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today.,

Job Description: A successful candidate would work as an EXL consultant with a leading US Financial Services Organization on an unsecured lending portfolio. The job will require the consultant to work on: . Support tactical & strategic risk analytics initiatives for US based banks Risk team . Develop risk policy for Point of Sale (POS) lending, Buy-now-pay-later (BNPL), and Credit Card solutions . Design A/B testing frameworks with Design of Experiments (DOE) methodology to optimize risk management programs . Policy analytics to make sure correct customer segments are targeted and acquired . Recommend changes to business strategy and risk management policies . Build reporting/BI frameworks for Risk teams within the organization . Evaluate effectiveness of current policies & strategies, manage the monthly dashboards and ad-hoc analysis, analyze tests & performance related to funnel performance, portfolio verification performance and post issuance loan performance . Clearly communicate analysis as presentations to technical & non-technical groups . Develop and maintain effective working relationships with colleagues in other areas of Risk Management. . Summarize analytical findings into presentations and share analysis & reports with senior leadership. . Maintain a high degree of technical and policy understanding with respect to credit risk. . Manage assigned projects in a timely manner, ensuring accuracy and that deliverables are met. . Train, coach and develop team members Qualifications: . 5-15 years of experience in Analytics and Decision Science. . Risk Analytics experience: Portfolio analytics, Acquisition and Line Management, Policy audit and analytics, Reporting/Dash-boarding, Performance tracking (should have a knowledge of risk concepts like delinquencies, pre-payments, loss curves etc.) . Past experience in problem solving roles, strategic initiatives etc. . Knowledge in Banking Domain . Hands on work experience in SQL. . Hands on work experience in Python AND SAS macros would be a plus