Senior Portfolio Analyst
SAVii
full-time
Posted on:
Location Type: Remote
Location: India
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Job Level
About the role
- In this role, you will have the unique opportunity to witness the growth of SAVii and your professional career as the team embarks on this new journey across all aspects of the Portfolio growth and credit risk framework, from data integrity to system reporting and risk/capital methodologies.
- Ensures that credit risk management policies and procedures for SAVii are properly and promptly implemented.
- Drive the design, testing, and implementation of credit strategies to achieve business goals
- Drive consumer-oriented policies for current and new products (BTC)
- Design risk client acquisition policies to help manage overall risk in our Salary Lending portfolio (BTB)
- Test and maintain pricing policies to ensure appropriate profitability of the loan book
- Monitors portfolio and ensures that it is performing within set KPIs
- Performs and owns tasks (credit strategy and portfolio growth, credit underwriting/operations process, etc.)
- Collaborates closely with the Data & Analytics team in developing cutting-edge Credit Algorithms/Models and reports.
- Lead or collaborate on special projects in support of other teams related to risk and profitability
- Lead research initiatives to investigate the credit portfolio’s risk composition ahead of industry risk migrations, name-specific credit migrations, or potential unknown events
- Build and maintain a portfolio management framework.
- Guide the juniors on the above.
- You closely monitor the portfolio.
- You do analyses, deep dives, etc., on the portfolio, be it relevant to optimization (opportunities) or investigation of noted changes in portfolio behavior (risks), using data segmentation techniques such as Python, SQL, Google Sheets, etc.
- You work on developing and improvising the core credit framework. You assist in developing and implementing data collection, data analytics, and other strategies to analyze statistical efficiency and guide decision-making.
- You work with data scientists and other functions to dive deep into core credit issues and prioritize business and information needs.
- You establish measurements to analyze credit model performance, uncover insights, and discern targeted improvement areas.
- You monitor credit performance metrics to identify issues, new and innovative credit processes, feature improvements, and business growth opportunities.
- You can articulate and effectively conceptualize analysis for various stakeholders.
- You design and implement reports and performance measurement dashboards
- You write and update credit risk policies.
Requirements
- Bachelor's degree (preferably in a field such as Economics, Finance, Mathematics, or Statistics)
- Minimum of 2 years experience in banking, credit risk or portfolio management
- Strong financial analysis, underwriting, risk assessment, and risk mitigation skills
- Proficient in Google or Microsoft Suite (Word, Excel, PowerPoint, etc)
- Knowledge of Python, SQL, or similar data analysis tools
- An inquisitive nature and strong communication and negotiation skills are required to obtain business requirements and approvals from various stakeholders effectively
- Detailed orientation, good interpersonal skills, accuracy, focus, and teamwork are required.
- Accuracy in analysis and the timely achievement of goals is crucial to success in this role.
Benefits
- Flexible benefits designed to support you in both your work and personal life
- Encourages personal growth and professional development
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit risk managementcredit strategiescredit underwritingdata analysisfinancial analysisrisk assessmentrisk mitigationdata segmentationportfolio managementstatistical efficiency
Soft Skills
communication skillsnegotiation skillsinterpersonal skillsattention to detailteamworkanalytical thinkingproblem-solvingleadershipcollaborationinquisitive nature