Credit Risk Analyst

Role Purpose Support the delivery of Credit & Risk Excellence initiatives through detailed analysis, process redesign, policy enhancements, and risk framework implementation. The role will support the development of RAROC methodologies, risk appetite frameworks, approval models, and credit process improvements across sectors, products, and geographies. The Business Analyst will work closely with Risk, Credit, Finance, and Business teams to enable data-driven decision-making and strengthen risk governance. b. Business Domain & Exposure Credit Risk Management Wholesale & Corporate Banking Credit Policy & Governance Risk Appetite Frameworks RAROC Analysis Portfolio Analytics Credit Approval Frameworks Sector & Product Risk Management Credit Process Transformation Multi-Geography Risk Governance c. Key Responsibilities Business Analysis & Risk Assessment 1. Analyze portfolio performance, credit trends, and risk-adjusted returns. 2. Support assessment of sector, product, and geographic risk exposures. 3. Develop insights to support risk and portfolio optimization initiatives. Credit Process & Policy Enhancement 1. Document and assess current-state credit processes and approval workflows. 2. Identify opportunities for process simplification, standardization, and automation. 3. Support development and implementation of credit policy enhancements. RAROC & Risk Analytics 1. Support development of RAROC models and performance measurement frameworks. 2. Analyze capital utilization, profitability, and portfolio performance metrics. 3. Prepare management reports and portfolio analytics. Risk Appetite & Approval Framework Support 1. Assist in defining sector-specific and product-specific risk appetite parameters. 2. Support redesign of approval authorities and governance frameworks. 3. Track implementation of risk appetite changes across business units and geographies Stakeholder Coordination 1. Coordinate with Risk, Credit, Finance, Business, and Technology teams. 2. Gather and document business requirements for risk initiatives. 3. Support workshops, governance meetings, and implementation activities. Transformation & Reporting 1. Support delivery of risk transformation initiatives and change programs. 2. Monitor implementation progress and benefits realization. 3. Develop dashboards and reporting to track risk and portfolio performance. d. Experience & Profile Experience 1. 7–10 years of banking experience in Credit Risk, Corporate Banking, Risk Analytics, Credit Governance, or Business Analysis. 2. Experience supporting credit transformation, policy enhancement, or risk management initiatives. 3. Exposure to portfolio analytics and risk reporting preferred. Profile 1. Strong understanding of credit risk principles and wholesale banking portfolios. 2. Knowledge of RAROC, risk-adjusted performance metrics, and portfolio analytics. Show more Show less

7–10 years of banking experience in Credit Risk, Corporate Banking, Risk Analytics, Credit Governance, or Business Analysis. Experience supporting credit transformation, policy enhancement, or risk management initiatives. Exposure to portfolio analytics and risk reporting preferred. Strong understanding of credit risk principles and wholesale banking portfolios. Knowledge of RAROC, risk-adjusted performance metrics, and portfolio analytics.

Analyze portfolio performance, credit trends, and risk-adjusted returns. Support assessment of sector, product, and geographic risk exposures. Develop insights to support risk and portfolio optimization initiatives. Document and assess current-state credit processes and approval workflows. Identify opportunities for process simplification, standardization, and automation. Support development and implementation of credit policy enhancements. Support development of RAROC models and performance measurement frameworks. Analyze capital utilization, profitability, and portfolio performance metrics. Prepare management reports and portfolio analytics. Assist in defining sector-specific and product-specific risk appetite parameters. Support redesign of approval authorities and governance frameworks. Track implementation of risk appetite changes across business units and geographies. Coordinate with Risk, Credit, Finance, Business, and Technology teams. Gather and document business requirements for risk initiatives. Support workshops, governance meetings, and implementation activities. Support delivery of risk transformation initiatives and change programs. Monitor implementation progress and benefits realization. Develop dashboards and reporting to track risk and portfolio performance.