Team lead - Market Intelligence (EWS)

Duties and Responsibilities:

• Lead and mentor a team of analysts to deliver high-quality market intelligence and risk insights.
• Ensure adherence to timelines, accuracy, and quality in all deliverables.
• Design and maintain risk indicators and dashboards for early detection of credit deterioration.
• Support credit appraisal processes with sectoral, large corporate and counterparty risk assessments.
• Integrate alternative data sources and threshold into EWS models.
• Collaborate with Credit, Credit Risk, Business Units, and Analytics teams to validate signals and recommend actions.
• Publish monthly reports and insights for Credit Risk, Underwriting, Business Teams and relevant Committees. Issue ad-hoc alerts and intimations on emerging risks to relevant stakeholders.
• Translate macroeconomic trends, regulatory changes, and sectoral developments impacting credit portfolios and bring out relevant actionable.
• Track competitor actions and market signals to identify early signs of stress.
• Partner with data science teams to enhance predictive models using AI/ML techniques.
• Ensure robust data governance and quality for market intelligence inputs.
• Align EWS practices with RBI guidelines and internal risk frameworks.
• Prepare reports for regulatory submissions and internal audits.

Experience / Skillset / Certifications Required:

• Educational Qualification - Postgraduate degree in Economics, Finance, Management (MBA/CA preferred)
• Relevant Job Experience – minimum 12 years of experience in banking research, sector analysis, credit risk, credit underwriting or market intelligence. Prior experience in a Bank, NBFC.

Skills and Competencies-

• Credit underwriting of MSME, Mid-Corporate and Large corporate sectors
• portfolio risk, early-warning systems, and stress testing.
• Priority sector & financial inclusion landscape
• Systemic risk and macroeconomic indicators
• RBI guidelines and prudential norms on credit, credit risk and early warning signals.
• Analytical and data interpretation skills. Proficiency in Excel/PowerPoint.
• Familiarity with research tools/databases/Data Aggregators/Python/APIs.
• Excellent written and verbal communication with ability to present to senior leadership.
• Ability to translate complex data into actionable insights.