Senior Lead Credit Risk

As a Risk Management Analyst at Ameriprise Financial Inc., you will be responsible for analyzing complex business issues using data from various sources. Your role will involve incorporating company and industry knowledge, technological expertise, and sound analytical processes to identify issues and recommend courses of action. Key responsibilities include: - Analyzing lending portfolios to maximize profitability by managing risk exposure - Identifying segments or acquisition channels/policies with high risk exposure - Performing sensitivity analysis around key drivers of losses - Providing monthly Risk Management MIS and guidance to business managers and external partners - Forecasting credit losses for the Bank's portfolios to ensure alignment of charge-offs and loss reserves - Evaluating and validating the loss reserve methodology annually - Continuously monitoring credit quality and practices including collections, foreclosures, and credit line management Qualifications required for this role include: - Engineering (B.E./ B.Tech.) graduate, with a preference for a master's degree in quants - 5+ years of consumer credit risk management related analysis experience - 2+ years of experience in Loan Loss forecasting or CECL loss reserving - Proficiency with statistical software such as Python, R (or equivalent) - Experience with AWS Data Lake and tools like Dataiku, SageMaker, etc. - Strong analytical abilities, including building business cases and proposals - Excellent project management and communication skills - Ability to handle confidential information with integrity - Experience with credit card and mortgage portfolios, analytics management, and credit risk management - Experience with predictive modeling preferred - Strong interpersonal skills, teamwork, leadership, and influence management abilities - Ability to thrive in an ambiguous environment About Ameriprise Financial Inc.: Ameriprise Financial Inc. has a rich history of 130 years, providing client-based financial solutions to help clients achieve their financial objectives. Headquartered in Minneapolis, it is a leading financial planning company with a global presence. The firm's focus areas include Wealth Management and Advice, Asset Management and Advice, Retirement Planning, and Insurance Protection. Join our inclusive and collaborative culture that values your contributions and offers opportunities for personal and professional growth. Please note that this is a full-time position with timings from 2:00 PM to 10:30 PM in the India Business Unit (AWMPO AWMP&S President's Office).,