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As a Lead Credit Risk Analyst, you will play a pivotal role in managing and enhancing the bank's credit risk strategies. Leveraging your expertise in credit risk analysis, you will contribute to the development and implementation of robust credit risk models and policies, ensuring the bank's portfolio remains resilient and aligned with regulatory standards.
THE ROLE
* Develop and optimize credit strategies across the customer lifecycle-from acquisition and underwriting to portfolio management and collections using SQL
* Analyze large datasets to uncover insights, trends, and opportunities for strategy refinement.
* Partner with Product, Finance, Data Science, and Compliance teams to ensure strategies align with business goals and regulatory standards.
* Monitor credit performance, develop dashboards, and generate actionable reporting for senior stakeholders.
* Run champion/challenger tests to improve risk segmentation and predict customer behavior.
REQUIREMENTS
* Proven experience in credit risk analysis within a banking or financial services environment.
* Strong proficiency in statistical modeling and programming languages (e.g., SQL, SAS, R, Python) for data analysis.
* In-depth understanding of credit risk principles, regulatory requirements, and industry best practices.
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