credit portfolio analyst

Standard Chartered Bank

<p></p><div><div><div><div><div><div><b>Requisition Number: </b>46264
</div></div></div></div><div><div><div><div><b>Job Location: </b>Dubai, ARE
</div></div></div></div><div><div><div><div><b>Work Type: </b>Office Working
</div></div></div></div><div><div><div><div><b>Employment Type: </b>Permanent
</div></div></div></div><div><div><div><div><b>Posting Start Date: </b>24/12/2025
</div></div></div></div><div><div><div><div><b>Posting End Date: </b>07/01/2026
</div></div></div></div><div><div><div><div><b>:
</b><div><div><div><div><b>Job Summary</b></div>
</div><div><p>
The Analyst, Credit Risk Management for Secured Lending within Wealth and Retail Banking at Standard Chartered is a pivotal role focused on supporting the Credit Risk Management (CRM) Head in managing the credit risk associated with the bank's Mortgage and Wealth Management portfolios. This role is integral to maintaining the financial health and sustainable growth of these portfolios by developing robust risk mitigation strategies, ensuring compliance with regulatory standards, and monitoring portfolio performance metrics critically. The successful candidate will collaborate extensively with Business teams, Credit Underwriters, and relevant stakeholders, facilitating informed decision-making that balances risk with business objectives. This position offers a unique opportunity to contribute to the bank&rsquo;s strategic objectives while enhancing personal technical and analytical expertise in a dynamic banking environment.</p>
<p>
The role demands a comprehensive understanding of credit risk frameworks, regulatory guidelines, and the ability to apply analytical techniques to identify, assess, and address potential credit risks. The Analyst will be instrumental in driving portfolio quality through proactive controls and stress-testing exercises, supporting the bank's mission of delivering sustainable, responsible financial services.</p></div></div><div><div><div><b>
Key Responsibilities</b></div>
</div><div><ul><li>Develop and oversee the execution of risk management policies in line with the Wealth and Retail Banking strategy, ensuring the secured lending portfolio aligns with the broader organizational goals.</li>
<li>Provide strategic and analytical insights on credit risk to stakeholders at country, regional, and group levels to support robust risk governance and portfolio planning.</li>
<li>Conduct comprehensive credit risk assessments of mortgage and wealth management products, incorporating macroeconomic and market trends.</li>
<li>Monitor portfolio health through systematic analysis of key risk indicators (KRIs), including delinquencies, concentration risks, and emerging risk trends across customer segments.</li>
<li>Responsible for identifying, assessing, monitoring, controlling and mitigating risks within secured portfolio to ensure effective risk management.</li>
<li>Support stress-test reviews to simulate portfolio performance under various economic scenarios and support regulatory stress-testing requirements.</li>
<li>Collaborate closely with collections and recovery teams to optimize management and resolution of non-performing loans (NPLs), improving portfolio quality and recovery rates.</li>
<li>Ensure credit risk policies are crafted and enforced in alignment with risk appetite frameworks, balancing business growth ambitions with prudent risk management.</li>
<li>Partner with Business teams and Credit Underwriters to integrate risk considerations seamlessly into lending practices, promoting ethical and sustainable portfolio development.</li>
<li>Maintain up-to-date knowledge of local and international banking regulations affecting secured lending and wealth management products, ensuring full compliance.</li>
<li>Translate regulatory and policy requirements into comprehensive underwriting guidelines and portfolio management standards that govern the full customer lifecycle from origination to recovery.</li>
<li>Implement continuous improvement initiatives that refine risk models, credit scoring systems, and risk measurement tools in line with industry best practices.</li>
<li>Conduct regular portfolio reviews and audits to identify deviations and drive corrective actions, ensuring risk controls are effective and aligned with expected performance.</li>
<li>Implement the Operational Risk Framework (ORF) including Fraud Risk Controls as planned and on a timely basis, and proactively and rigorously evaluate ORF controls whenever there are changes to high risk processes. Continuously improve collection processes to reduce operational risks. Ensure proper identification of the material risks and maintaining an effective control environment.</li>
<li>Responsible for delivering &lsquo;effective governance&rsquo;; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.</li>
<li>Support in the system changes in line with the policy</li>
</ul></div></div><div></div><div><div>
</div><div><p><b>Role Context</b></p><p>
The Analyst will operate within a fast-paced, regulated banking environment requiring strong analytical capabilities and sound judgment. This role contributes directly to safeguarding the bank&rsquo;s asset quality and supporting profitable growth in the secured lending space. Interaction with multidisciplinary teams including credit committees, business units, compliance, and external regulatory bodies is expected. The analyst will be tasked with synthesizing complex data to inform risk mitigation strategies and support policy development. Effective communication skills are vital to influence decisions and foster collaborative risk culture across the organization.</p><p>
Furthermore, the position encourages continuous professional development and knowledge advancement in evolving credit risk practices and regulatory landscapes. The ability to manage multiple priorities and deliver under tight timelines is essential, as is demonstrating a proactive, solutions-oriented mindset.</p></div></div><div></div><div><div>
</div><div><p><b>
Career Progression and Development</b></p><p>
This role offers a robust pathway for career advancement within Standard Chartered&rsquo;s Risk or Credit functions. The incumbent will gain extensive experience managing high-impact credit portfolios, developing strategic risk frameworks, and engaging with senior leadership on key business decisions. Opportunities to lead projects, drive innovation in risk management tools, and contribute to enterprise-wide risk initiatives are integral components of this role.</p><p>
As part of a supportive and inclusive workplace, ongoing training, mentoring, and professional certifications are encouraged to nurture talent and accelerate career growth. Successful performance in this role may lead to increased responsibilities such as portfolio management leadership, credit risk strategy development, or broader risk advisory roles within the bank or across the Group&rsquo;s international markets.</p></div></div><div><div><div><b>
Skills and Experience</b></div>
</div><div><p><b>
Skills and Experience</b></p><ul><li>
Proficiency in Microsoft Office Suite (Excel, PowerPoint, Word) with advanced data analysis and reporting capabilities.</li><li>
Excellent written and verbal communication skills to effectively present complex information to diverse audiences.</li><li>
Strong knowledge of retail lending products, particularly mortgages and secured wealth management lending.</li><li>
In-depth understanding of real estate market dynamics and their impact on secured lending risk profiles.</li><li>
Familiarity with financial instruments and investment products relevant to wealth management portfolios.</li><li>
Experience with credit risk assessment tools, stress testing, and portfolio monitoring techniques.</li><li>
Ability to interpret regulatory requirements and incorporate them into operational and risk frameworks.</li><li>
Analytical mindset with keen attention to detail and a disciplined approach to risk evaluation.</li></ul></div></div><div><div><div><b>
About Standard Chartered</b></div>
</div><div><p>
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.</p>
<p>Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.</p>
<p>Together we:</p>
<ul><li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li>
<li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li>
<li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li>
</ul></div></div><div><div><div><b>What we offer</b></div>
</div><div><p><b>
In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</p>
<ul><li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li>
<li><b>Time-off</b> including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li>
<li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li>
<li><b>Proactive wellbeing support</b> through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li>
<li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li>
<li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li></ul></div></div></div></div></div></div></div></div></div><p></p>

Analyst, Credit Risk Management, Secured Lending WRB (UAE National)

Zolve

<div><div><div>Credit Assessment
<div><div><h1 class="jobSectionHeader"><b>Credit Risk Senior Analyst</b></h1>
<div>Bengaluru
<div>Work Type: Full Time
</div></div></div><div>
</div></div></div></div><div><div><h1 class="jobSectionHeader"><b>ABOUT ZOLVE</b></h1><div></div><div><div><div><div><br>
Welcome to the financial frontier of limitless possibilities - welcome to Zolve. We're not just a fintech; we're architects of a financial revolution, crafting a narrative that transcends borders. At Zolve, we believe in rewriting the rules of finance to empower global citizens, nomads, and dreamers to navigate the world without constraints.</div><div><br>
Zolve is the world's first cross border neo-bank which helps migrants get access to credit in the new country based on their home country credit score. Zolve&rsquo;s cross-border capabilities enable global citizens to access financial products such as checking accounts, credit cards, remittances, insurances, and loans seamlessly, helping them to be financially free to pursue their ambitions, without limiting the services to a particular country.</div><div><br>
As we continue to grow into multiple geographies, product lines and customer segments, we are seeking a dynamic individual<b> </b>to join us and support our journey.</div></div></div></div><div></div><h1 class="jobSectionHeader"><b><br>
JOB DESCRIPTION</b></h1><div></div><div><div><div><div><b><br>
Role: </b><b>Credit Risk Senior Analyst</b></div><div><b><br>
Location: </b>Bengaluru</div><div><b><br>
Employment Type: </b>Full-Time</div><div><br>
The <b>Credit Risk Senior Analyst</b> will be responsible for assessing, managing, and mitigating the credit risk exposure for the US credit card portfolio. This role will involve working closely with business units to ensure sound credit risk policies and practices are in place. The Credit Risk Senior Analyst will conduct thorough credit assessments, maintain risk monitoring systems, and assist in making strategic recommendations to safeguard the company from potential credit losses. This position requires strong analytical skills, a deep understanding of credit risk management principles, and the ability to communicate effectively with senior leadership.</div></div></div><br>
</div><h1 class="jobSectionHeader"><b>
RESPONSIBILITIES</b></h1><div><div><div><h3 class="jobSectionHeader"><b>
Credit Risk Assessment</b></h3><ul><li><p>
Evaluate and monitor the <b>creditworthiness of existing and prospective customers</b></p></li><li><div><br>
Perform detailed analysis of <b>financial statements, credit bureau reports, and risk data</b></div></li><li><p><br>
Recommend <b>credit limits, terms, and risk actions</b> based on assessment outcomes</p></li></ul><h3 class="jobSectionHeader"><b>
Credit Risk Strategy &amp; Policy</b></h3><ul><li><p>
Develop, implement, and periodically enhance <b>credit risk policies and procedures</b></p></li><li><div><br>
Ensure credit risk strategy aligns with <b>business objectives and regulatory requirements</b></div></li><li><p><br>
Advise senior management on <b>risk exposure, trends, and mitigation strategies</b></p></li></ul><h3 class="jobSectionHeader"><b>
Risk Monitoring &amp; Reporting</b></h3><ul><li><p>
Monitor portfolio risk exposure to ensure compliance with <b>internal risk limits</b></p></li><li><div><br>
Prepare <b>risk reports and dashboards</b> highlighting key indicators, trends, and emerging risks</div></li><li><p><br>
Implement and manage <b>automated tools and systems</b> for risk monitoring and reporting</p></li></ul><h3 class="jobSectionHeader"><b>
Stakeholder Management</b></h3><ul><li><p>
Collaborate with <b>underwriting, sales, finance, product, and legal teams</b> to manage credit risk</p></li><li><p><br>
Liaise with <b>credit bureaus, auditors, and regulatory bodies</b> to stay aligned with best practices</p></li></ul><h3 class="jobSectionHeader"><b>
Compliance &amp; Governance</b></h3><ul><li><p>
Ensure adherence to <b>regulatory requirements and industry standards</b></p></li><li><p><br>
Maintain up-to-date knowledge of <b>US credit regulations and compliance frameworks</b></p></li></ul><h3 class="jobSectionHeader"><b>
Training &amp; Development</b></h3><ul><li><p>
Provide guidance and mentorship to <b>junior risk analysts</b></p></li><li><p><br>
Stay current with <b>industry trends, tools, and regulatory developments</b></p></li></ul></div></div><br>
</div><h1 class="jobSectionHeader"><b>
QUALIFICATIONS</b></h1><div></div><div><div><div><p><b><br>
Education:</b> Bachelor&rsquo;s degree in <b>Finance, Economics, Accounting</b>, or a related field ot<br>
Master&rsquo;s degree (MBA / MSc) or professional certifications (<b>FRM, CFA</b>) are preferred</p><p><b>
Skills &amp; Experience:</b></p><ul><li><p>
Minimum <b>5 years of experience</b> in <b>US credit card risk management</b> or related roles</p></li><li><div>
Strong understanding of <b>credit risk analysis, financial modeling, and portfolio management</b></div></li><li><div>
Experience working with <b>US credit bureaus</b> and US credit scoring frameworks</div></li><li><div>
Exposure to <b>credit risk management systems and tools</b></div></li></ul><h3 class="jobSectionHeader"><b>
Technical Skills</b></h3><ul><li><p>
Advanced knowledge of <b>credit scoring models and risk mitigation techniques</b></p></li><li><div>
Proficiency in <b>Excel, SQL, and Python</b></div></li><li><div>
Strong analytical and reporting capabilities</div></li></ul><h3 class="jobSectionHeader"><b>
Soft Skills</b></h3><ul><li><p>
Excellent <b>analytical and problem-solving skills</b></p></li><li><div>
Strong <b>written and verbal communication abilities</b></div></li><li><div>
Ability to engage effectively with <b>senior leadership and external stakeholders</b></div></li><li><div>
High attention to detail and strong organizational skills</div></li></ul></div></div></div></div></div></div><p></p>

Credit Risk Senior Analyst

Astra Tech

<div>
 <p>
  <strong>
   <u>
    Role Summary
   </u>
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  We are looking for a
  <strong>
   Business Analyst &ndash; Collections
  </strong>
  to drive data-led insights and strategies across our lending and collections functions. The role will focus on analyzing portfolio performance, identifying trends and risks, and developing actionable recommendations to improve recovery, reduce credit risk, and enhance operational efficiency. You will collaborate with cross-functional teams to translate data into strategy and support the design and optimization of collection processes.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   <u>
    Key Responsibilities
   </u>
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   Analyze data across the credit lifecycle to identify trends, risks, and opportunities in collections performance.
  </li>
  <li>
   Develop and maintain dashboards, reports, and KPIs to monitor portfolio health and recovery effectiveness.
  </li>
  <li>
   Partner with stakeholders in Credit, Collections, Risk, and Operations to define business requirements and translate them into actionable insights.
  </li>
  <li>
   Support the design and implementation of collection strategies and delinquency management frameworks.
  </li>
  <li>
   Conduct root cause analyses of portfolio performance issues and recommend corrective measures.
  </li>
  <li>
   Leverage BI and analytics tools (SQL, Power BI, Tableau, etc.) to generate insights and automate reporting.
  </li>
  <li>
   Ensure adherence to internal policies, regulatory guidelines, and industry best practices.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   <u>
    Responsibilities
   </u>
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   Proven experience as a
   <strong>
    Business Analyst
   </strong>
   within lending, credit, or collections functions.
  </li>
  <li>
   Strong understanding of the
   <strong>
    credit lifecycle
   </strong>
   , loan products, and collection processes.
  </li>
  <li>
   Hands-on expertise with
   <strong>
    BI and data analytics tools
   </strong>
   such as SQL, Power BI, and Tableau.
  </li>
  <li>
   Excellent analytical, problem-solving, and communication skills.
  </li>
  <li>
   Strong stakeholder management and collaboration abilities.
  </li>
  <li>
   Bachelor&rsquo;s degree in
   <strong>
    Business, Finance, Economics, or a related field
   </strong>
   .
  </li>
  <li>
   Experience in
   <strong>
    fintech, banking, or NBFC
   </strong>
   environments preferred.
  </li>
  <li>
   Familiarity with
   <strong>
    credit bureau data
   </strong>
   and regulatory frameworks is an advantage
  </li>
 </ul>
 <p>
 </p>
</div>


Business Analyst – Collections

Evolve Bank & Trust

<p></p><div><p><b>Job Description:</b></p>
<p>
The Credit Risk Analyst will develop and evaluate credit risk indicators, forecast capital exposure, and implement risk policies and underwriting guidelines. The Credit Risk Analyst will provide analytical and financial support for credit approvals, portfolio structuring, and risk assessment, while coordinating with internal teams and external partners. Additionally, the position handles special projects, prepares portfolio metrics for senior leadership, and assists with training and concept reviews for new loan products and platforms.</p>
<p><b>
Main Job Tasks and Responsibilities</b><b>:
</b></p><ul><li>Prepare daily, weekly and monthly reporting on Open Banking Credit relationships which includes reports for Loan Committee and the Board as well as the quarterly call report.</li>
<li>Provide Open Banking client policy assessment, process evaluation, commercial exposure assessment.</li>
<li>Develop and evaluate risk indicators for Open Banking Credit, assessing performance against expectations, and develop forecast capabilities for credit risk and capital exposure.</li>
<li>Assist Credit Administration team in implementation of Open Banking credit risk policies, procedures &amp; underwriting guidelines.</li>
<li>Perform monthly Current Expected Credit Loss forecast model.</li>
<li>Support Paycargo Finance and other clients as needed and serve to coordinate requests for new credit approvals and renewals between clients and the Credit Administration team.</li>
<li>Provide ad hoc data and analytical support for Chief Credit Officer.</li>
<li>Assist in financial analysis, identification of the primary risk drivers, structuring of the loan portfolios, overall assessment of risk and ability to repay.</li>
<li>Participate in the platform approval process and provide recommendations.</li>
<li>Assist Loan Operations in solving loan related structure questions.</li>
<li>Assist in the process of vetting new loan products or niche markets.</li>
<li>Compile requested portfolio metrics for Chief Credit Officer.</li>
<li>Special Projects and Requests, as needed.</li>
<li>Work with Open Banking and support areas on training programs and concept reviews for specific loan requests.</li>
</ul>
<p><b> Education and Experience:</b></p>
<ul>
<li>Minimum of ten years&rsquo; experience in data analytics in support of lending risk management, preferably at a financial institution or advisory firm.</li>
<li>Graduate degree in any applied analytical science (statistics, operations research, econometrics, business analytics, or math) or commensurate work experience is preferred.</li>
<li>Bachelors&rsquo; degree and sufficient coursework in business, economics, business analytics or similar areas is required.</li>
</ul>
<p><b>Key Competencies:</b></p>
<ul>
<li>High level of accuracy, thoroughness, and orderliness in performing work assignments.</li>
<li>Strong oral and written communication skills with the ability to communicate confidently with superiors and peers.</li>
<li>Strong portfolio life cycle assessment knowledge.</li>
<li>Attention to detail and accuracy.</li>
<li>Analytical skills.</li>
<li>Judgment and problem-solving skills.</li>
<li>Demonstrate proficiency with E.D.A. tools (exploratory data analysis) such as SAS, Power BI, Microsoft Excel Pivot Tables, etc.</li>
<li>Able to prioritize and reprioritize work tasks and deliver work product under tight deadlines</li>
<li>Comfortable with conflicting views of others and able to adequately express their point of view</li>
<li>Willingness to take ownership of recommendations and balance loan production with the proper risk/reward relationship</li></ul><p></p><p><br>
Equal Opportunity Employer<br>
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.</p></div>

Credit Risk Analyst

United States Citigroup

<p>Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis for Citi Corporate Clients and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio &amp; Industry Reviews.</p> <p><strong>Key Responsibilities:</strong></p> <ul> <li>Assess the credit and financial strength of Citi s Corporate Clients based in Sub-Saharan Middle East and North Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors</li> <li>Complete Credit Analysis Write-up Memos and assign internal ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite</li> <li>Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Senior Underwriters, Risk and Banking partners</li> <li>Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios</li> </ul> <p><strong>Skills/Competencies:</strong></p> <ul> <li>Assists colleagues in identifying stretch opportunities to elevate individual and team performance</li> <li>Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority</li> <li>Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively</li> <li>Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li> <li>Microsoft Office (Word, Excel, and PowerPoint) skills</li> </ul> <p><strong>Language:</strong> English   Read, Write and Speak</p>

Underwriting Credit Analyst - Officer

Crédit Agricole CIB

<div>
 <p>
  <strong>
   Team and position
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  Credit Agricole is among world top 10 banking groups. Our NY based Leveraged Finance team is directly responsible for origination and execution of LBOs with leading Private Equity Funds in North America, as well as financings for leveraged (non-investment grade) corporates, across loans and HY bonds.
 </p>
 <p>
  <br/>
 </p>
 <p>
  In addition, the team is also in charge of event driven financings (M&amp;A and IPO related) for Investment Grade clients, and of leveraged / structured financing transactions in the TMT sector, including the current wave of infrastructure flavoured deals (towercos, data centers, fibercos, GPU Financings) with Infrastructure Funds, across North America and Latam. It is referred to internally as the &ldquo;LATFG&rdquo; team (Leveraged, Acquisition &amp; TMT Finance). Building on its recent successes, the team is expanding to support its strong growth ambitions. In order to address the increasing volumes of credit and reporting management work generated by our expanding loan portfolio, we are setting up a portfolio management (PFM) team.
 </p>
 <p>
  <br/>
 </p>
 <p>
  We are opening a Portfolio Management analyst position. The analyst will report to the Director in charge of Portfolio Management, with regular interaction with the origination part of LATFG team.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Responsibilities
  </strong>
 </p>
 <p>
  1) Credit monitoring of our loan portfolio:
 </p>
 <ul>
  <li>
   Contribute to the ongoing credit monitoring work for part of the leveraged finance and TMT loan portfolio (current volume of about 70 deals): write up of annual reviews, credit papers in relation to waivers and amendments, quarterly write ups for loans under watch. In close coordination with respective deal/client teams.
  </li>
  <li>
   Proactively flag to LATFG manager and Portfolio Management Director and respective LATFG client teams any early warning signals of credit deterioration, concerns, or ideas for commercial opportunities
  </li>
  <li>
   Ensure timely propagation of internal rating decisions within the internal IT systems.
  </li>
  <li>
   Occasionally represent the team in the various credit committees (NY credit committee, CLF credit committee, CRC) and monitoring committees (Quarterly committees for underperforming loans or loans under watch &ldquo;SARs&rdquo; and &ldquo;SACs&rdquo;), underperforming or under watch loans
  </li>
  <li>
   Coordinate with CLF Losa team to monitor evolution of the portfolio (increases or reductions via amortization, prepayments, secondary trades etc)
  </li>
  <li>
   Coordinate with CLF Losa and respective deal/client teams to ensure authorizations recorded in internal systems are accurate and up to date.
  </li>
  <li>
   Maintain close coordination on all of the above tasks with respective LATFG client teams. Interact with clients whenever necessary to clarify credit related questions, in coordination with the LATFG client team.
  </li>
  <li>
   Review quarterly or annual information provided by client, connect to lender or investor calls organized by clients and relay summaries of meaningful information to LATFG team manager and respective LATFG client team.
  </li>
  <li>
   Depending on deal flow, there will also be occasional opportunities to get involved in live, new deals as part of the origination deal team.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  2) Contribute to internal and regulatory Reporting:
 </p>
 <ul>
  <li>
   Collect data and under PFM Director, assist with the regular requests for reporting from our internal stakeholders (HO business line, COO teams, RPC): monthly anomaly reports, monthly LevFin excel pipeline, quarterly portfolio review files, &ldquo;deals world&rdquo; database for LBOs, etc
  </li>
  <li>
   Contribute to recurring, ad hoc, and annual audits (NY annual and quarterly CUSO Loan Review, ad hoc NY portfolio reviews, Internal Audit &ldquo;Inspection Generale&rdquo;, add hoc CUSO reviews)
  </li>
  <li>
   Assist team manager and respective deal teams in ensuring that the CLF pipeline tool (&ldquo;Diamond&rdquo;) is up to date.
  </li>
  <li>
   Contribute to occasional ad hoc information requests when and as required
  </li>
  <li>
   Assist LATFG manager with periodic estimate of landing vs budget and other planning tasks
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Candidate background / experience
  </strong>
 </p>
 <ul>
  <li>
   Ideally 1-2 year experience in either a leveraged finance environment (portfolio management or origination and execution), or a credit risk / credit underwriting and monitoring function.
  </li>
  <li>
   Relevant academic background (BA/BS degree with economics/finance major coursework, ideally Master's degree &ndash; Msc Finance or MBA).
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Skills
  </strong>
 </p>
 <ul>
  <li>
   strong quantitative and qualitative analytical skills
  </li>
  <li>
   prior experience in financial analysis, cash flow modeling experience will be a plus
  </li>
  <li>
   reliability, attention to detail and quality outputs,
  </li>
  <li>
   good organizational skills: ability to keep track of deadlines, to organize its own work
  </li>
  <li>
   good communication and interpersonal skills (ability to communicate seamlessly with LATFG deal teams, and capacity to interact convincingly and forcefully with internal partners, in particular with RPC &amp; senior representatives from Bus Line or coverage)
  </li>
  <li>
   MS Office suite proficiency
  </li>
  <li>
   Fluency in a second language (in particular French, Portuguese, Spanish) is a strong positive
  </li>
 </ul>
</div>


Leveraged, Acquisition & TMT Finance Americas – Portfolio Management - Analyst

U Microfinance Bank Limited

<div>
 <p>
  <strong>
   Manager / Analyst - IFRS 9
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Job Purpose:
  </strong>
 </p>
 <p>
  We are seeking a detail-oriented and technically proficient IFRS 9 Analyst to play a critical role in the operational execution and monitoring of our Expected Credit Loss (ECL) framework. The successful candidate will be hands-on in running Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD) models, managing the end-to-end ECL production cycle, and providing robust analytical support for financial reporting and credit risk management.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Responsibilities:
  </strong>
 </p>
 <ul>
  <li>
   Execute the monthly/quarterly ECL production cycle, ensuring all tasks are completed accurately and within strict deadlines.
  </li>
  <li>
   Operationally run and maintain the suite of IFRS 9 models (PD, LGD, EAD) for all relevant portfolios.
  </li>
  <li>
   Prepare and validate input data required for model runs, ensuring completeness, accuracy, and adherence to model definitions.
  </li>
  <li>
   Calculate and apply forward-looking macroeconomic adjustments (scenario weighting, overlays) to model outputs as per the approved methodology.
  </li>
  <li>
   Analyze significant movements in ECL provisions, explaining drivers such as portfolio growth, model updates, changes in macroeconomic forecasts, and credit quality changes.
  </li>
  <li>
   Prepare and distribute standardized and ad-hoc ECL reports for management, credit risk committees, and financial reporting teams.
  </li>
  <li>
   Implement and adhere to robust control frameworks to ensure the accuracy and auditability of the ECL calculation.
  </li>
  <li>
   Assist with internal and external audit requests, providing evidence and explanations for the ECL process.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Qualifications &amp; Experience:
  </strong>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s degree in finance, Accounting, Economics, Mathematics, Statistics, Actuaries, or a related quantitative field.
  </li>
  <li>
   3-6 years of hands on experience in an IFRS 9 ECL reporting, credit risk analytics, executing PD, LGD, and EAD models within a banking or financial services environment.
  </li>
  <li>
   Advanced skills in Microsoft Excel; experience with VBA, Python, or R, is highly desirable.
  </li>
 </ul>
 <p>
 </p>
</div>


Manager

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