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Regional Bank Credit Risk Analyst - Digital Banking

Salary undisclosed

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Job Description

  • Design and establish a robust risk management framework for the unsecured cash loan product and credit card product
  • Drive the implementation of credit strategies, including individual risk assessment, limit assignment and adjustment, risk-based pricing, and portfolio management
  • Collect, process, and analyze risk data to identify trends, patterns, and potential risk factors, and react promptly to signals from the data, adjusting strategies as needed to mitigate risks
  • Develop and maintain advanced risk models to evaluate the creditworthiness of users, utilizing statistical and machine learning techniques to improve the accuracy and robustness of models
  • Extract actionable insights from massive data to enhance risk assessment and decision-making processes
  • Prepare and present reports and findings for senior management and stakeholders
  • Ensure compliance with relevant financial regulations, reporting requirements, and industry best practices

Requirements

  • Bachelor's degree in Machine Learning, Business Analytics, Information Technology, Finance, Economics, Statistics, Mathematics, or a related field.
  • 1-5 years work experience in modeling and analytics related roles. Fresh graduate candidates are welcomed as well.
  • Proficiency in SQL, Python, Spark, and familiarity with data analysis and data visualization tools
  • Strong analytical and quantitative skills with the ability to work with extensive datasets
  • Excellent written and verbal communication skills to convey complex findings to non-technical stakeholders
  • Collaborative mindset and the ability to work effectively in cross-functional teams