Risk:Credit Risk-II Team – Axis House


  • Full Time

To apply for this job please visit axiscareers.axisbank.co.in.

About Risk:

The Risk department ensures that the Bank’s risk is managed through a risk management architecture as well as through policies and processes approved by the Board of Directors encompassing independent identification, measurement and management of risks across the various businesses of the Bank. The Risk department of the Bank strives to proactively anticipate vulnerabilities at the transaction as well as at the portfolio level, through quantitative or qualitative examination of the embedded risks

About the Role:

The Retail Risk Analytics team is responsible for managing the credit risk of the Axis Bank Retail lending & payments portfolio

by providing analytical support. They are also responsible for identifying and tracking key risk indicators and early warning

signals; build, monitor and manage Risk strategies at an underwriting level and portfolio management level; identify risky

pockets where Credit Risk is being observed. Responsible for managing end-to-end risk of the portfolio tracking model

performance, suggesting improvements and implementing approved changes.

Key Responsibilities

 Responsible for tracking portfolio trends and hot spots
Responsible for tracking early warning signals, root-cause analysis, covering Business Segments, Sector and Groups
Liaise with stakeholders, Business managers, Credit Managers to understand business problem, conceptualize the
Analytical approach with respect to the stated business/risk objective, deliver analytical solution
Provide timely and actionable insights to the top management and business heads
Ensure the risk levels are well within benchmark by taking suitable risk actions and interventions
Responsible for the development of Credit Risk models liaising with Data Science team and revamp of new models

Optimal qualification for success on the job is:

Post graduate with specialization in Quant and statistics viz. Masters in statistics, MBA, M Tech with relevant risk analytical exposure (Risk, Collections and Fraud)
Hands on experience in Advanced & Predictive analytics, Decision Tree, Segmentation analysis and Cluster analysis using analytical and statistical procedures
Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

·         Knowledge of key processes of data capture and flow

·         Knowledge of the use of data elements for internal / external reporting and analytics.

·         Analytical bent of mind, penchant for working with data and numbers

Job Overview