Funding Portfolio Risk Senior Analyst

Job Description

Task and Responsibilities :

• Conduct in-depth credit analysis of group lending, including financial statement analysis, credit scoring, and risk rating assignments.
• Monitor the performance of the credit portfolio, identifying trends, concentrations, and potential risks; prepare regular reports for management.
• Liaise with Funding Team to define RAC per Lenders to manage PD & CoC as per agreed appetite.
• Assist in the assessment of credit risk exposure across various portfolios and product lines, providing insights on risk mitigation strategies.
• Maintain and update credit and portfolio databases, ensuring data accuracy and integrity for analysis and reporting.
• Support the development and execution of stress testing scenarios to evaluate portfolio resilience under adverse economic conditions.
• Work closely with the underwriting, finance, and compliance teams to align on credit policies and ensure adherence to risk management standards.
• Stay informed about market trends, economic conditions, and regulatory changes that may impact credit risk and portfolio management.
• Prepare presentations and reports summarizing credit risk assessments and portfolio performance for senior management and stakeholders.

Requirements :

• Bachelor’s degree in finance, Economics, Business Administration, or a related field. A Master’s degree or relevant certifications (e.g., CFA, FRM) is a plus.
• 5-7 years of experience in credit analysis, risk management, or portfolio management within the financial services industry, especially in micro segment.
• Strong understanding of credit risk assessment methodologies, financial analysis, and portfolio management techniques.
• Excellent quantitative and analytical skills, with proficiency in data analysis tools and software (e.g., Excel, SQL, or risk management software).
• Knowledge of advanced analytical techniques, including statistical modeling.
• Strong verbal and written communication skills, capable of presenting complex information clearly and concisely to various stakeholders.
• High level of attention to detail and accuracy in data analysis and reporting.
• Ability to identify issues, think critically, and develop practical solutions in a fast-paced environment.