RAU-Risk Analyst

RAU-Risk Analyst

The HDFC Bank Limited
0-30 years
Not Specified

Job Description

Job Description :
Job Responsibilities(JR) : 6 8 Areas Actionable (4-6) Scorecard Building and Modelling Provide analytical and data support to the different teams within the retail lending space in the Bank, mainly Policy, Product, Collection and Fraud Units. Responsible for development of various scorecards / models for the Retail asset products of the Bank within the specified timelines. Portfolio monitoring and analysis for the different loan portfolios of the bank with the aim of supporting the policy units in the areas of sourcing and portfolio management. Co-ordinating with the internal IT team for providing data support to the various teams within the Bank Co-ordinating with Bureau and other Analytics vendors to evaluate industry trends, bureau scrubs, proof of concept experiments, analytics projects. Formulating data cuts and strategies to increase cross-sell of asset products to existing customers of the Bank Portfolio Monitoring Ongoing monitoring of accounts including tracking developments in the industry and the account to identify stresses early and work with business and risk teams in devising appropriate mitigation strategies wherever required. Advanced detection before SMA / Rating downgrade / default Focused house keeping which involves follow up on clearing deferrals/ overdue/delays appearing in daily MIS circulated by Operations team. To identify and closely monitor accounts which are in stress, in order to devise and implement account strategy Appropriate level of client calling to develop strong understanding of client business and industry dynamics Innovation Thinking, evolving and making significant changes in the processes, techniques, methods so as to save time, energy and money. Any other assignments depending on the needs of the organizationSkillsStrong technical & analytical skills.Strong written and verbal communication skillsStrong Excel modeling skills.Expert knowledge in analyzing financial statements.Banking Product & Process KnowledgeUnderstanding of accounting principles and Regulatory KnowledgeExcellent knowledge of competition & current trends in financial Industry.

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