Sr. Risk Analyst

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: - ( - )

Experience: 3+ yrs

Location: Mumbai

As a Sr. Risk Analyst, you will play a pivotal role in safeguarding the organization’s financial integrity by developing and executing advanced credit risk models, conducting data-driven analyses, and providing actionable insights to senior management. You will leverage your expertise in SQL to extract, transform, and query large datasets from multiple systems, turning raw data into clear, concise risk metrics. Working closely with cross-functional teams, you will translate complex quantitative findings into strategic recommendations that enhance risk mitigation strategies and support business growth. Your analytical acumen, coupled with your ability to communicate findings to both technical and non-technical stakeholders, will ensure that risk assessments remain accurate, compliant, and aligned with industry best practices.

Requirements

• Design, develop, and maintain credit risk models and scoring systems using SQL and statistical techniques.
• Extract and manipulate large datasets from relational databases to support credit risk analysis and reporting.
• Conduct in-depth risk assessments, trend analyses, and scenario testing to identify potential credit exposure.
• Collaborate with product, underwriting, and finance teams to refine risk appetite and underwriting guidelines.
• Produce comprehensive risk reports, dashboards, and presentations for senior leadership.
• Monitor regulatory changes and ensure model compliance with relevant standards and guidelines.
• Lead continuous improvement initiatives to optimize data quality and model performance.
• Manage and mentor junior analysts, providing guidance on best practices and career development.
• Participate in cross-functional risk assessment projects, integrating credit, market, and operational risk perspectives.
• Conduct periodic model validation and back-testing to assess predictive accuracy and refine methodologies.
• Bachelor’s or Master’s degree in Finance, Economics, Statistics, or a related field.
• 3+ years of experience in credit risk analysis within financial institutions or consulting environments.
• Advanced proficiency in SQL, including complex queries, stored procedures, and performance tuning.
• Strong analytical skills with experience in statistical modeling, probability, and predictive analytics.
• Familiarity with risk modeling tools such as SAS, R, Python, or similar.
• Demonstrated ability to communicate complex risk concepts to diverse audiences.
• Knowledge of regulatory frameworks such as Basel III, Dodd-Frank, or equivalent.
• Proven track record of delivering high-quality reports and actionable insights on time.
• Excellent project management skills, capable of handling multiple priorities concurrently.
• Proactive mindset, continuously seeking innovative solutions to enhance risk evaluation processes.