Senior Analyst- Credit risk portfolio management

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About the Role

Position Title: Analyst- Credit portfolio risk management

Corporate Title: Analyst

Internal Title: Senior Analyst

Reporting to: Head of Credit Portfolio Analysis, EMEA

Location: Bengaluru, BCIT Park, Thannisandra Main road

Job Profile

 To support the Head of CSG for EMEA and all CSG Team Heads with initiatives including and not exclusive to credit risk, portfolio reporting and Management Information (MI).

 To provide insights, analysis and support across the three lines of defence in EMEA. This would involve being a central contact point and liaison for stakeholders; coordinating queries and requests with CSG team

members accordingly.

 To provide team members supports for administrative matters including but not limited to onboarding

supports for new joiners, creating ad-hoc reports upon requests.

 To provide team members technical, logistical and diligent support with their day-to-day activities

Roles and Responsibilities

 Support the Head of CPA with preparation of CPA materials for the EMEA Risk Management Committee (ERMC), EMEA Credit Risk Committee (ECRC) and other committees/forums as required.

 To provide portfolio reporting materials and MI for the ECRC, other EMEA forums and initiatives as requested by senior management and stakeholders.

 To conduct and circulate regular portfolio analysis, insights, MI and reports to stakeholders in Front Office and Credit.

 To partner with counterparts across different global offices and actively seek opportunities for alignment, collaboration and consistency.

 Contribute towards establishing analysis, reports and MI to control and monitor EMEA’s Credit Risk Appetite and Industry Concentration frameworks.

 To engage in projects and working groups related to credit risk, portfolio reporting, credit systems, MI and credit strategy across the group.

 To support monthly reports to be provided to regulators such as Japan Financial Services Agency (‘JFSA’) and Prudential Regulation Authority (‘PRA’)

 To support CSM colleagues for Breach Control Working Group (‘BCWG’) data collection and cleansing.

 To support accounting reporting/ SOX related reporting

 To support the remediation of Self-Identified Issues, regulatory findings and audit points.

 To monitor and report credit risk insights for the EMEA booked portfolio, ensuring a proactive, transparent and rigorous approach to the management of credit risk and escalation of issues.

 To monitor and maintenance several Early Warning frameworks.

 Provide consultation and advising on the bank’s policies and procedures. Give guidance to staff members and other areas of the bank and coach/develop colleagues on these aspects.

 Propose risk management strategies, frameworks, policies and procedures to stakeholders in the bank.

 To partner with front and product offices and contribute to the development of the organisational credit strategy for respective sectors/ regions.

 Ensure effective communication across all levels of management with internal and external stakeholders within EMEA and other regions. Represent CSG or own group effectively in various occasions, equip management

and staff members with knowledge by sharing information appropriately in a timely manner.

 Provide staff members with appropriate tools and resources to carry out their duties.

 Be a point of contact for junior staff members in relation to credit risk, portfolio analysis, reporting and producing MI.

Work Experience:

Essential:

 Extensive experience in Credit Risk Management, especially related to portfolio reporting and MI.

 Experience in resolving regulatory and audit issues related to credit and credit risk.

 Experience in using data from different sources to perform portfolio analysis.

Preferred:

 Minimum 3 year experience on credit risk activities associated with Global Corporates.

Skills and Experience:

Functional / Technical Competencies:

Essential

 Sufficient knowledge Credit Risk Management in Commercial Banking.

 Prior experience of conducting Portfolio Analysis at different levels of granularity.

 Excellent Microsoft Office skills.

 Prior experience of using data visualization tools such as MS PowerBI and Tableau.

Preferred:

 Prior experience of using SQL.

 Prior experience of using Visual Basic for Applications (VBA).

 Regular monitoring of Financial Markets and Macroeconomic events.

 Prior experience of using Python.

Education / Qualifications:

Essential

 Bachelor Degree

Personal Requirements:

 Excellent communication skills.

 Stakeholder management and effective communication.

 Results driven, with a strong sense of accountability.

 A proactive, motivated approach.

 The ability to operate with urgency and prioritise work accordingly.

 Strong decision making skills, the ability to demonstrate sound judgement.

 A structured and logical approach to work.

 Strong problem solving skills.

 A creative and innovative approach to work.

 Excellent interpersonal skills.

 The ability to manage large workloads and tight deadlines.

 Excellent attention to detail and accuracy.

 A calm approach, with the ability to perform well in a pressurised environment.

 Strong numerical skills.

 Excellent Microsoft Office skills.

Performance and Duties:

The role holder will be assessed in accordance with their employing entity’s performance framework and process

with relevant input obtained from the dual hatting entity as relevant. As duties and responsibilities change, the job

description will be reviewed and emended in consultation with the role holder. The role holder will carry out other

duties as are within the scope, spirit and purpose of the role as requested by their line manager or Department

Head.

Managing conflicts of interest:

 The role holder will have responsibilities for both MUFG Bank and MUFG Securities EMEA plc.

 The role holder will be required to perform their duties and responsibilities on an entity neutral basis, without favour.

 The role holder is required to follow regulatory requirements applicable to ensure each business is appropriately supported and to maintain the legal entity integrity of each of MUFG Bank and MUS.

 Working terms are dictated by functional mandates, the terms of the Dual-Hat Arrangement Agreement in place between MUFG Bank and MUFG Securities EMEA plc and any other relevant agreements entered into between MUFG Bank and MUFG Securities EMEA plc.

The role holder will have responsibility for identifying and resolving where there may be a difference or conflict in needs between MUFG Bank and MUFG Securities EMEA plc, escalating to their manager where required.

Mitsubishi UFJ Financial Group (MUFG) is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG is committed to hiring based on merit and organsational fit, regardless of race, religion or gender.