credit risk specialist

KPMG India

<div>
 
 
 About KPMG INDIA
 
 
 
 
 
 
 KPMG entities in India are professional services firm(s). These Indian member firms are affiliated with KPMG International Limited. KPMG was established in India in August 1993. Our professionals leverage the global network of firms, and are conversant with local laws, regulations, markets and competition. KPMG has offices across India in Ahmedabad, Bengaluru, Chandigarh, Chennai, Gurugram, Jaipur, Hyderabad, Jaipur, Kochi, Kolkata, Mumbai, Noida, Pune, Vadodara and Vijayawada.
 
 
 KPMG entities in India offer services to national and international clients in India across sectors. We strive to provide rapid, performance-based, industry-focused and technology-enabled services, which reflect a shared knowledge of global and local industries and our experience of the Indian business environment.
 
 
 
 
 
 
 Credit Risk Role
 
 
 
 
 
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 Should have prior experience in model development, model validation or model monitoring with Indian Banks.
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 Good understanding of Credit Risk Model Development steps starting with exploratory data analysis, roll rate, vintage analysis, good/bad definitions, factor selections, logistic/ linear regressions including assumptions and limitations, scorecard calibration
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 Credit Risk Model Validation starting from data preparation and analysis, validation tests, back testing, scenario analysis, sensitivity analysis
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 Time Series analysis and forecasting
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 Economic Capital computation
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 Sound knowledge of IRB, IFRS 9, CECL, CCAR, SR-11-7, Scorecard, Wholesale &amp; Retail Portfolio, credit card, CRD, CRR guidelines.
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 Regulatory Guideline - PRA, EBA, FED, HKMA
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 Degree/ Qualified accountant/FRM with regulatory reporting background
 
 
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 Strong quantitative and analytical skills with attention to detail and accuracy
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 A power user of Excel spreadsheet and PowerPoint. Acumen and demonstrated knowledge to use visualization tools (i.e., Power BI) will be advantageous
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 Investment banking product knowledge and other regulatory development around IB
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 SAS, Python, R
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 CA/MBA(Finance)/ M.SC (stats)
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 Certifications in CFA/ FRM
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 </ul>
 
 
 
 
 Good communication skills, analytical and presentation skills are mandatory for the above skill set.
 
 
 If interested please send in your Cvs to anamikagandhi@kpmg.com.
 
 
 
 
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 Looking for selected candidates to join within 30 to 45 days or an immediate joiner.
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 Equal employment opportunity information
 
 
 
 KPMG India has a policy of providing equal opportunity for all applicants and employees regardless of their color, caste, religion, age, sex/gender, national origin, citizenship, sexual orientation, gender identity or expression, disability or other legally protected status. KPMG India values diversity and we request you to submit the details below to support us in our endeavor for diversity. Providing the below information is voluntary and refusal to submit such information will not be prejudicial to you
 
</div>

KPMG INDIA - Credit Risk Specialist - Assistant Manager & Manager

Ujjivan Small Finance Bank

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 POSITION DESCRIPTION
 
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 JOB TITLE
 
 
 
 Manager-Credit Risk
 
 
 
 
 
 
 DEPARTMENT
 
 
 
 Risk
 
 
 
 LOCATION
 
 
 
 HO
 
 
 
 
 
 
 SUB-DEPARTMENT
 
 
 
 Credit
 
 
 
 TYPE OF POSITION
 
 
 
 Full-time
 
 
 
 
 <ol>
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 ROLE PURPOSE &amp; OBJECTIVE
 
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 To ensure implementation of the credit risk management policy approved by the Board.
 
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 To formulate, review and implementation of risk appetite
 
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 Monitor credit risks on an SFB wide basis and ensure compliance with the Board approved risk parameters/prudential limits and monitor risk concentrations.
 
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 Review status of portfolio management, loan review mechanism, risk monitoring and evaluation, regulatory/legal compliance, adequacy of provision, risk concentrations, industry reviews, and suggest corrective measures and activity reviews for credit risk management.
 
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 Review the performance and effectiveness of the credit scorecards, the need for any adjustments, and placing recommendations before the CRO
 
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 Review and approve the use of credit scorecards for business and risk management purposes and placing recommendations before the CRO
 
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 KEY DUTIES &amp; RESPONSIBILITIES OF THE ROLE
 
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 Business/ Financials
 
 
 
 
 
 Credit Risk Unit
 
 
 
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 To develop credit risk appetite/limits statements with support from Business units
 
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 To monitor the credit risk parameters and credit exposure / concentration limits set by the SFB&rsquo;s Board of Directors / Risk Management Committee of the Board/ Regulator
 
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 To lay down credit risk identification systems, monitor quality of portfolio, identify problem credits and undertake asset quality reviews with support from Business units.
 
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 Implementation of credit scorecards with support from Business units.
 
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 To analyze early warnings signals in the MSE portfolio, for identification of weak exposures, identify remedial measures in co-ordination with Business units and monitor the actions taken.
 
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 Responsible for execution of portfolio risk management activities including concentration risk monitoring and stress testing.
 
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 Responsible for ensuring stringent monitoring and management of specifically assigned problem accounts either independently or in co-ordination with the Business units.
 
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 Responsible for executing the NPA management strategies in co-ordination with Business units and with support from the Legal department
 
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 Monitor portfolio performance on a quarterly basis or as and when directed by the Board or Committee or Regulator and identify associated credit risks
 
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 Study the impact of various stress scenarios on different portfolios to complement the regular risk measurement methods
 
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 Classification of SMA and watch-list accounts in co-ordination with Business units
 
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 Implementation of Internal Audit recommendations specific to the credit risk unit
 
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 Business Risk unit
 
 
 
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 Develop a comprehensive risk management framework for assessing, identifying, monitoring and reducing pertinent business risks that could interfere with the bank's objectives and goals
 
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 Implement the Credit risk management frameworks under the guidance of CRCO and policies for the Bank
 
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 Regular review of overall credit portfolio to assess risk quality and recommend risk mitigation measures, if warranted.
 
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 Review the management of market and liquidity risks and provide inputs to asset liability management committee and recommend suitable risk management measures as required
 
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 Assess the insurance requirements of the bank and arrange appropriate cover for transfer of risks as assessed as appropriate.
 
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 Assess the security environment and take necessary steps to protect the interests of all stakeholders across both Physical and Information Technology dimensions.
 
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 Internal Process
 
 
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 Regular review of overall credit portfolio to assess risk quality and recommend risk mitigation measures, if warranted.
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 Review the management of market and liquidity risks and provide inputs to asset liability management committee and recommend suitable risk management measures as required
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 Develop the fraud risk management framework; periodically monitor fraud risk cases and recommend risk mitigation measures, as required in coordination with the CVO
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 Participate in scheduled meetings of Risk management Committee (for credit risk, operation risk and market risk), Investment Committee and Asset Liability Management Committee
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 </ul>
 
 
 
 
 
 Learning &amp; Innovation
 
 
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 Provide the risk and compliance staff with sufficient resources, management support and the access required to prevent / detect compliance issues / breaches
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 Maintain current knowledge of laws and regulations, keeping abreast of the most recent developments in regulations, notifications and circulars and disseminate the information regarding new regulatory developments
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 Develop, coordinate and impart a multifaceted educational and training program that focuses on the elements of the compliance program, and seeks to ensure awareness creation
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 Maintain a knowledge base of compliance failures and implications, provide advice on preventive actions to prevent such failures
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 Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self
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 MINIMUM REQUIREMENTS OF KNOWLEDGE &amp; SKILLS
 
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 Educational
 
 
 
 
 Qualifications
 
 
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 Bachelor&rsquo;s degree in commerce/MBA in finance
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 Additional qualification in law, accountancy such as CA/CS/LLB.
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 Experience
 
 
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 At least 10 years of experience in banking business
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 At least 3+ years of experience in compliance &amp; 3+ years of hands-on experience in risk /audit &amp; inspection functions.
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 Certifications
 
 
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 PO qualified
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 Functional Skills
 
 
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 Knowledge of &ndash; credit risk, operational risk, market risk
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 Knowledge of asset liability management
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 Knowledge RBI polices/guideline relevant to SFB &amp; banking
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 Good understanding of policy formulation process
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 Adept at influencing policy changes for commercial advantage
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 High operational knowledge and experience in government processes and compliances both at union and state levels
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 Behavioral Skills
 
 
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 Interpersonal communications
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 Stakeholder management
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 Project management skills
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 Problem solving &amp; critical thinking
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 Planning &amp; organizing
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 Competencies Required
 
 
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 Building Relationship
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 Driving Change
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 Planning &amp; Organizing
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 KEY INTERACTIONS
 
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 INTERNAL
 
 
 
 
 EXTERNAL
 
 
 
 Legal Manager
 
 
 Regulatory bodies (including RBI)
 
 
 Internal Audit Dept.
 
 
 Risk rating agencies
 
 
 All functional heads
 
 
 Chief Compliance Officers or Chief Risk Officers of other banks
 
 
 CFO
 
 
 
 
 
 Treasury team (FO &amp; BO)
 
 
 
</div>

Credit Risk Manager

Fiserv

<div>
 
 
 Job Posting Title: Credit Risk Analyst
 
 
 
 
 
 
 
 What does a successful do at FISERV?
 
 
 
 &middot; A self-starter, perform tasks with autonomy and make decisions.
 
 
 &middot; An analytical mindset to learn and understand different business models and assess the potential risks
 
 
 &middot; Collaborate with internal and external stakeholders to drive the consensus on risk approach
 
 
 
 
 
 
 What will you do:
 
 
 
 &middot; Credit Risk Analyst role is an APAC level role which will include markets like India, Australia, Southeast Asia (HK, Singapore, Malaysia)
 
 
 &middot; Perform credit analysis and underwriting for prospective accounts
 
 
 &middot; Review credit history to assess credit worthiness of new prospective clients. Ensures a balanced risk and revenue trade-off consistent with credit policy and loss target expectations.
 
 
 &middot; Apply credit risk guidelines, policies and procedures in letter and spirit. Also conduct periodic reassessment of the policies and procedures based on the industry trends and portfolio performance.
 
 
 &middot; Manage the existing key merchant/partner portfolio to analyse/mitigate potential risk on periodic basis.
 
 
 &middot; Monitor operational performance on accounts and make a real time decision with respect to the potential risk/mitigants on the relationships
 
 
 &middot; Investigations include the gathering of data from various sources &amp; systems and interpreting the data to manage the risk.
 
 
 
 
 
 
 What will you need to know:
 
 
 
 &middot; Ability to understand and evaluate financial statements comprehensively
 
 
 &middot; Ability to apply risk management concepts; collect and analyse exposure and loss data, respond efficiently and effectively to internal and external requests.
 
 
 &middot; A successful analyst must have the ability to work in a fast-paced environment, be able to make real time / accurate decisions and manage/mitigate potential risks in the portfolio
 
 
 &middot; Role needs good verbal and written communication skills to manage internal stake holders and external stake holders i.e. business team, legal team, compliance team and customers.
 
 
 &middot; Time management skills well as good negotiation ability is must.
 
 
 
 
 
 
 What would be great to have:
 
 
 
 &middot; Prior experience in risk management or credit analysis
 
 
 &middot; Background in payment industry or fintech company is an added advantage
 
 
 &middot; Data analytics
 
</div>

Credit Risk Analyst

United States Citigroup

The role will provide analytical and project support to Credit Risk team, help produce internal reporting, and contribute to key presentations and regulatory deliverables. The ideal candidate will have understanding of risk, experience in data analytics and management reporting.
What you ll do
<ul>
 <li>Assess the effectiveness of Citi s credit risk management practices and support identification and mitigation of credit risk across Citi s retail portfolios</li>
 <li>Analyse credit risks by utilizing reports, scorecards, risk systems, and expert judgment</li>
 <li>Provide support for loss forecasting, stress testing and management reporting.</li>
 <li>Evaluate moderately complex and variable credit issues with significant business impact</li>
 <li>Support the preparation of Credit Portfolio Scorecards and trend analysis reports</li>
 <li>Prepare internal presentations for management and regulatory stakeholders</li>
</ul>

Credit Portfolio Analyst

What you ll do <ul> <li>Assess the effectiveness of Citi s credit risk management practices and support identification and mitigation of credit risk across unsecured portfolios</li> <li>Analyze credit risks by utilizing reports, scorecards, risk systems, and expert judgment</li> <li>Evaluate moderately complex and variable credit issues with significant business impact</li> <li>Balance potentially conflicting data sources and develop actionable credit risk strategies</li> <li>Lead or support the preparation of Credit Portfolio Scorecards and trend analysis reports</li> <li>Assist with Business Monitoring and Review activities</li> <li>Prepare internal presentations for management and regulatory stakeholders</li> <li>Promote ethical decision-making and support risk and control issue transparency across the firm</li> </ul> What we ll need from you <ul> <li>5 8 years of relevant credit experience, preferably in a financial institution</li> <li>Bachelor s degree (or equivalent experience) in Finance, Accounting, Economics, Computer Science, or a related field</li> <li>Intermediate to advanced proficiency in Microsoft Office tools (Excel, PowerPoint etc.)</li> <li>Strong English written and verbal communication skills</li> <li>Excellent time management, organizational, and analytical abilities</li> <li>Experience with SQL and fluency in Arabic is a plus</li> </ul> By joining Citi Dubai, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed) and enjoy a whole host of additional benefits that support you (and your family) to be well, live well and save well. Discover more HERE. Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive.

AVP, Credit Portfolio Senior Analyst (UAE Nationals Only)

Arab Banking Corporation

Principal Responsibilities, Accountabilities and Deliverables of Role:
1. Credit portfolio management 65% The Credit Risk supports Head of Credit Risk who supports the first line of defense across a number of geographies either as a principle or secondary point of contact. The GCA is to work across all types of transaction including sovereign, corporate and financial institutions. The GCA is to provide support in terms of interpretation of the Group Credit Policy its related Standards and Procedures. The GCA is available for consultation on Credit Application Forms (CAF) as to whether the CAF is adequate in terms of its explanation and mitigation of the risks associated with the transaction under discussion. On submission of the CAF the GCA ensures that it is in compliance with group policies and requirements. Comments on any deficiencies and indicates a level of support, be it positive, negative or conditional for the submission. On a sample basis (minimum of 10%) the GCA ensures that spreadsheets have been compiled correctly, covenants have been complied with and any additional conditionality delivered. The GCA is to ensure that any documentation outstanding on the OOO (Out of Order) report is covered in the CAF and reasons provided to mitigate any potential risk. The GCA is to monitor developments in the countries he/she covers. There is an expectation of travel to the countries on an annual basis with such visits informing the annual review of the bank s exposure in that country. The GCA is to monitor the completeness of the annual reviews from a country and ensure that they are delivered on a timely basis. From time to time the GCA will be required to assisst in delivery of reports on sectors within a country or assist in the compilation of a wider report across many jurisdictions. As part of the portfolio management process the GCA must identify any relationships or sectors that could result in elevated credit risk or non-repayment of the borrower s obligations. All such names must appear on the report Accounts Requiring Close Monitoring before being downgraded to a Risk Rating 8.
2. Risk related project management 15% Risk related projects can comprise a number of items from a single item; such as a report amendment adding to the efficiency or effectiveness of the department, to providing input on a multi-million dollar transformational project. In either instance the GCA is to provide assistance and support as part of the general day to day business. The GCA is be expected to record his contribution to projects for evaluation as part of the career management process.
3. Development 20% GCA must ensure that they are receiving appropriate training from either internal or external sources. The GCA must attend at least one course per annum from an external provider and take regular internal seminars or presentations from subject matter experts.
Job Context:
The job holder is expected: Recognise the need to balance risk-prudence with actual market-practices/pressures and support growth of a sustainable well managed risk portfolio. Understand risk strategy and appetite documents. Monitor and analyse bank s corporate credit portfolio and names. Demonstrate compliance with the bank s policies, standards and procedures. Awareness of regulatory requirements in DIFC, Bahrain and beyond.
Job Requirements:
Knowlegde: Good knowledge of basic credit product, risks and key aspects of legal documentation. Good knowledge of corporate and bank balance sheet analysis techniques
Education/Certifications: Degree with an element of finance or equivalent, Institute of Bankers associate or equivalent
Experience: Seasoned corporate credit professional (who understands financial as well as other key credit matters) with significant experience (10 years +) of UAE/ GCC corporates, market knowledge, UAE/GCC credit contacts along with good stakeholder management skills.
Personal Attributes: Work as team member, good communication and presentation skills, accountability, transparent and open

Credit Risk - DIFC

Marsh & McLennan Companies, Inc.

Key Responsibilities
<ul>
<li>Broking &amp; Insurance Placement (50%)</li>
<li>Lead the end-to-end broking process, structuring placements, negotiating terms, and managing policy wordings.</li>
<li>Develop and maintain strong relationships with Lloyd's, company markets, and multilaterals, securing competitive coverage for clients.</li>
<li>Utilize Marsh's bespoke platforms to enhance client offerings.</li>
<li>Oversee policy management, including claims handling (where applicable) and ensuring regulatory compliance.</li>
</ul>
Business Development &amp; Market Growth
<ul>
<li>Identify and develop new business opportunities across the MENA region, focusing on KSA expansion.</li>
<li>Collaborate with Country Sales Leaders to train local teams and increase awareness of PRSC solutions.</li>
<li>Present to insurers on prospective business requirements and develop competitive risk solutions.</li>
<li>Leverage referrals, networking, and cross-selling to grow the PRSC portfolio.</li>
</ul>
Client Management &amp; Advisory
<ul>
<li>Act as a key point of contact for strategic clients, ensuring high service standards and retention.</li>
<li>Provide expert guidance on political risk and structured credit solutions, offering reassurance and capability to clients.</li>
<li>Support Client Executives in delivering training sessions, workshops, and policy operations.</li>
<li>Maintain compliance with Marsh's servicing protocols and industry regulations.</li>
</ul>
What We Are Looking For
<ul>
<li>5-8 years of experience in political risk and structured credit broking, preferably in a boutique firm or specialized insurance company.</li>
<li>Strong technical expertise in structured credit, political risk, and credit insurance markets.</li>
<li>Proven ability to manage insurer relationships and drive business growth.</li>
<li>Experience working with clients in energy, power, and construction sectors.</li>
<li>A client-centric mindset, with the ability to reassure and support strategic clients.</li>
<li>Arabic language skills are an advantage.</li>
</ul>

Political Risk and Structured Credit Broker - MENA

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