Credit Risk Management Analyst

Viraaj HR Solutions

Location: Pune, Maharashtra, India

Category: Finance

Salary: 500,000 - 800,000 INR / yearly

Full-time

Job Description

Join our team at Viraaj HR Solutions as a Credit Risk Management Analyst. You will be responsible for conducting credit risk assessments, analyzing financial data, and implementing risk models to predict credit exposure.

Responsibilities

  • Conduct credit risk assessments for various banking and financial products.
  • Analyze credit data and financial statements to prepare risk profiles.
  • Implement statistical models to predict credit risk exposure.
  • Monitor and evaluate clients' creditworthiness based on market conditions.
  • Develop and maintain risk analytics tools and processes.
  • Prepare detailed financial reports for management review.
  • Collaborate with cross-functional teams to enhance risk management strategies.
  • Ensure compliance with regulatory requirements and internal policies.
  • Conduct stress testing and scenario analysis to assess potential risks.
  • Update and maintain documentation related to credit risk policies.
  • Identify trends and variances in credit risk metrics for management reports.
  • Assist in the development of training materials for team and client education.
  • Provide insights and recommendations to improve the credit risk decision-making process.
  • Participate in audits and reviews related to credit risk management.
  • Stay updated on the latest industry trends and regulatory changes.

Qualifications

  • Bachelor's degree in Finance, Economics, or related field.
  • 3+ years of experience in credit risk analysis or management.
  • Strong analytical and quantitative skills.
  • Experience with statistical software and risk modeling techniques.
  • Knowledge of regulatory frameworks and compliance standards.
  • Proficient in Excel, SQL, and data analysis tools.
  • Ability to work collaboratively in a team environment.
  • Excellent problem-solving and decision-making abilities.
  • Strong verbal and written communication skills.
  • Detail-oriented with a commitment to accuracy.
  • Project management experience is a plus.
  • Ability to work under pressure and meet tight deadlines.
  • Strong interpersonal skills and a customer-focused mindset.
  • Willingness to adapt to changing business needs.
  • Professional certifications (e.g., CFA, FRM) are preferred.
  • Understanding of market dynamics and economic trends.

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