Main Duties:
Data Analysis
- Collect, process, and analyze credit risk and portfolio data to identify trends, concentrations, emerging risks, and early warning signals.
- Perform portfolio segmentation and risk driver analysis across counterparties, sectors, and products.
- Develop and maintain analytical models and metrics to assess credit quality, risk migration, and potential losses.
- Design, develop, and maintain interactive dashboards and reports to support credit risk monitoring and decision-making.
- Prepare regular and ad hoc credit risk reports for senior management, credit committees, and regulatory stakeholders.
- Ensure accuracy, consistency, and timely updates of all credit risk reporting outputs.
Audit and Regulatory Follow-up
- Coordinate the treatment and monitoring of Internal Audit & Joint Supervisory Team (JST) recommendations related to credit risk.
- Track remediation actions, milestones, and deliverables, ensuring timely and effective implementation.
- Set the action plan and coordinate with different stakeholders for implementation.
- Support the preparation of evidence and documentation required for supervisory follow-ups and reviews.
- Contribute to the preparation of closing memos, summarizing key findings, risk assessments, and remediation actions.
- Liaise with Credit Risk, Audit, Compliance, Business & SGO Teams to ensure corrective actions are completed within agreed timelines.
- Maintain comprehensive tracking tools to support audit and regulatory governance.
Credit Risk Activities and Support
- Support ongoing credit risk processes, including portfolio reviews, credit risk assessments, and stress-testing exercises.
- Assist in risk reviews, and portfolio deep dives as required.
- Contribute to the enhancement of credit risk methodologies, policies, and frameworks.
Continuous Improvement and Cross-Functional Collaboration
- Identify opportunities to improve credit risk data quality, analytical processes, and reporting efficiency.
- Participate in innovation initiatives aimed at automating processes and integrating new analytical tools and techniques.
- Promote best practices in credit risk analytics and data governance.
- Work closely with Credit Risk, Audit, Finance, Compliance, and IT teams to ensure consistency and alignment of credit risk data and analysis.
- Participate in internal committees and meetings to present analyses, highlight key risks, and support data-driven decision-making.